Yeske Buie is pleased to share that Sabina Smailhodzic has passed the CFP® Exam. This accomplishment fulfills one of the three requirements to earn the CERTIFIED FINANCIAL PLANNERTM designation. After passing the exam, Sabina said, “I plan on celebrating by packing up my study materials! I am happy I passed and am one step closer to being a CFP® Professional.”
Sabina joined Yeske Buie in August 2014 as our first Financial Planning Resident. As a Financial Planning Resident, Sabina works directly with Clients, preparing financial plans and reviews, and working in all aspects of financial planning, from the discovery process through to implementation and ongoing support of Yeske Buie’s Clients’ Live Big® goals. We implemented the Financial Planning Resident Program to leverage our Financial Planning team and to help contribute to the pipeline of new planners entering the financial planning profession prepared to work with financial planning clients.
Upon her “graduation” from the program, Sabina will have the experience necessary to qualify to be a CFP® Licensee. In addition to passing the exam, each CFP Candidate is required to meet an education requirement and an experience requirement. Sabina will meet all three requirements at the end of the Spring and will then be able to apply for the CFP Board. Congratulations, Sabina!
VIENNA, Va., March 24, 2016 /PRNewswire/ —Elissa Buie, CFP®, co-founder and CEO of Yeske Buie, has been awarded the title of Top Wealth Advisor by Washingtonian Magazine as part of the magazine’s Top Wealth Advisors listing for 2016. Washingtonian Magazine awards the honor of Top Wealth Advisor to the individual with the most peer-nominations for this already-prestigious recognition. Ms. Buie has appeared on all five of Washingtonian’s previous lists of top wealth advisors. The listing appears in the March issue of Washingtonian Magazine which is now on newsstands.
To compile the listing, Washingtonian Magazine surveys hundreds of financial professionals in the Washington, D.C. area, asking “Who, besides yourself or someone else in your own firm, would you trust with your own money?” In addition to the peer survey, the magazine follows up the recommendations with their own research, interviewing experts and consulting industry organizations and publications. Those named to the list received the most recommendations from all sources. Elissa was one of only fifty-seven fee-only financial planners named.
“Every award and recognition is a genuine honor, but to be recognized by your peers feels particularly rewarding,“ Elissa stated when learning of the 2016 Washingtonian listing.
Elissa has been practicing financial planning for over three decades and has played a pivotal role in the development of the financial planning profession. She is currently Immediate Past Chair of the Foundation for Financial Planning’s Board of Trustees. Elissa is also a past national Chair of the Financial Planning Association (FPA®), the professional association for financial planners.
In 2013, Elissa was awarded the prestigious P. Kemp Fain, Jr. Award, the Financial Planning profession’s equivalent of a lifetime achievement award. She has been named as a top advisor by Worth Magazine and by Bloomberg Wealth Manager and was named to Financial Times Top 100 Women Financial Advisers list in 2014. In 2015, Elissa was listed on InvestmentNews’ inaugural Women to Watch list, a list of 20 top female advisors in the country.
Elissa has published extensively in the Journal of Financial Planning and is a frequent conference presenter on the topics of policy-based financial planning, the discovery process in financial planning, and the role of science in the development of the profession. She has been a conference keynoter throughout the world, including the United States, Japan, the UK, South Africa, and Korea.
Elissa is a Dean in FPA’s Residency Program and holds an appointment as Distinguished Adjunct Professor in Golden Gate University’s Ageno School of Business, where she teaches the capstone course in the school’s graduate financial planning program. She has been quoted in many national media, including The Washington Post, Time, and Business Week, and has made appearances on The Today Show, NBC News, and CNBC. Ms. Buie is a Certified Financial Planner® licensee and holds business degrees from the University of Virginia and the University of Maryland. Learn more about Elissa and Yeske Buie at www.YeBu.com.
At the beginning of a new year, it is not uncommon for companies to participate in visioning exercises to set goals for the next twelve months and to generate hope and excitement to tackle the year ahead. In fact, this practice corresponds well with the month of January which is named after the ancient Roman god Janus, the god of beginnings and transitions. His symbolism as the god of beginnings and transitions is emphasized by his name Janus, originating from the Latin word janua meaning “door”, and by his depiction as a man with two faces, one looking into the past and the other looking to the future.
At Yeske Buie, the team practices visioning exercises regularly throughout the year both as a collective group during our semi-annual staff retreats and individually with annual Vision and Goals meetings between the staff and Elissa and Dave. With our 2016 goals already in the works, we want to take a moment to look back, remember, reflect, and learn from our celebrations in 2015. Yeske Buie’s number one focus is always on our work with and for our Clients. In 2015, we had many recognitions and accomplishments that we think reflect well on our ongoing pursuit of excellence both individually and collectively.
Emulating Janus’ essence, we share a timeline of Yeske Buie’s 2015 Celebrations as an appreciation of 2015 and as an inspiration for 2016 and beyond. We hope you enjoy!
In honor of our recognition, Schwab will run a congratulatory ad in the December 11th edition of the San Francisco Chronicle. We hope that those in the Bay Area were able to find the ad as they were reading the morning paper. For those who live outside the Bay Area or who missed ad in the paper, we share a reproduction of the ad, a video highlighting our team, and professional pictures from the awards ceremony below. We hope you enjoy!
Jon Beatty, Vice President of Schwab Advisor Services, Dave Yeske, Elissa Buie, and Bernie Clark, Executive Vice President and Head of Schwab Advisor Services at the Schwab IMPACT Awards ceremony.
Elissa and Dave happily accepting the 2015 Trailblazer Award.
The entire Yeske Buie team was in attendance for the prestigious awards ceremony in Boston, MA as we believe it was the efforts by the team as a whole that earned us the recognition.
Camille Bouvet joined the Yeske Buie team this summer as a Financial Planning Resident in our San Francisco office. Camile graduated from Virginia Tech with a degree in Applied Economic Management as part of Virginia Tech’s CFP® Certification Education Track. During her college career, Camille was an active member of Virginia Tech’s Financial Planning Association chapter and served as a vice president her senior year. She also had a variety of internships within the financial planning profession prior to her time at Yeske Buie, working as an advisor services intern at Charles Schwab in Phoenix and as a semester intern at Verity Asset Management in Blacksburg, VA. Camille recently sat for the CFP® Exam and as a result of her hard work and dedicated months of studying, passed the exam this November! With the exam behind her, Camille is looking forward to having more time for running and cycling and to explore the range of climates and landscapes in California. In this edition of Meet the Team, we learn more about Camille’s professional and personal life interests and goals.
What area of Financial Planning do you find the most intriguing and why?
This is hard to answer as I’ve come to find that I don’t have one favorite area of Financial Planning but rather a favorite act of Financial Planning. I love being able to take detailed, scattered information and analyze it with an emphasis on the Clients’ goals, ultimately allowing us to deliver a clear set of answers that explore trade-offs. I find this practice to be the most rewarding because it truly makes a difference for the Clients’ and opens the door to future planning opportunities towards their goals. I think the area of Retirement Planning best reflects this process. Clients are invited to provide us with their stack of financial information, no matter how high that may be, and are willing to share their Live Big® goals with us. This puts the planner in a unique position to create ongoing deliverables that address the current needs and open the door to future planning opportunities. We help them envision the retirement they desire and explore the actions they need to take to pursue this vision. This type of work allows me to help people make important decisions, verifying that I’m making a difference in someone’s life.
What unique skills and abilities do you feel you bring to Yeske Buie?
As another millennial joining Yeske Buie, I’m helping to build the wonderful and growing team of millennials we currently have. I think my perspective as a millennial is something that is in demand within a profession that has a rather large age gap. One of the unique traits I hope to apply during my time at Yeske Buie is my passion for working with other millennials, especially when it comes to what we like to call “financial hygiene,” which is a term we use to encourage healthy financial habits early on. For example, multiple friends and family members have asked me to help them find an appropriate travel rewards card after learning that I succeeded in safely taking advantage of travel rewards programs (which fully covered my flights home for Thanksgiving and Christmas!). I’ve held video conferences with my brother to help him explore credit cards that are appropriate for his needs, and also help him fly home from San Diego during the holidays. Although this isn’t directly work-related, it is a huge help to him and a way for me to hone my skills as a financial planner.
What are you most looking forward to during your time as a Financial Planning Resident with Yeske Buie?
Now that I took the CFP® Exam in November and passed (thank goodness!), I can fully look forward to being the most absorbent sponge I can possibly be because I’m at a place that is providing me one of the best learning opportunities as an aspiring financial planner. I’m excited to work with others in an environment that has high standards, values progressive thinking, and provides feedback in pursuit of continually excelling as a firm. I am also appreciative of the opportunities and resources available at Yeske Buie such as networking and conferences. In my time as a Resident, I hope to define the areas of expertise or my “niche” in Financial Planning that will lead the way into the next chapter of my career after my “graduation date.”
What does it mean to you to be part of the Yeske Buie team and to be part of one of the first Financial Planning Resident programs in the country?
It feels unique and I’ve come to realize that I am in a special place at a special time. I love the fact that we strive to be trailblazers in all that we do, such as the Residency program. I feel like I have the opportunity to make a difference and get out of this program what I put into it. We have an interesting work environment because while our work is heavily team-based, we also have a culture of self-management which is a perfect balance, in my opinion. It allows me to exercise my ownership mentality while also learning to delegate, manage, and work well with others (and have fun!).
What is one of your Live Big® goals?
Ah, I love this question! Recently, I have developed a goal of doing a world desert tour – I love the desert. I lived in Phoenix last summer and there’s something about it that fascinates me. I’m itching to see more deserts (and acquire an unforgettable appreciation for water). This tour would include the Sahara in Africa, the Gobi in China, the Atacama in Chile, and Antarctica (yes, it’s a desert!). The other cool thing about this tour is that I would get to see four continents while trekking it!
InvestmentNews has named Elissa Buie to its inaugural Women to Watch list for 2015. They launched the list to honor female advisors and industry executives for what they are doing to elevate the financial advice industry. The initiative is not about assets under management, titles, or compensation. Rather, it is meant to recognize women who are distinguished, innovative leaders who are driven and willing to share their knowledge and experiences with other women. InvestmentNews received over 400 nominations to form a list that was then shaved down to recognize just 20 honorees. In this short video featured on Elissa’s Women to Watch profile, Elissa explains how her career as a CFP®professional began and why the financial planning profession is a great profession for women.
In March 2016, Elissa and the other 20 outstanding female professionals in the financial advisory industry were honored at InvestmentNews’ Women to Watch Awards Luncheon in New York. As Elissa accepted her award, she was asked to share any secrets to her success. Elissa said she is “blessed by her opportunities to be mentored and to be a mentor to other women”.
Elissa’s profile by InvestmentNews details pieces of her career that played a pivotal role in the development of both planners and the profession. Elissa sits on the Board of Trustees of the Foundation for Financial Planning and is the Immediate Past Chair of the Foundation. Elissa is a past Chair of the Financial Planning Association (US) and is a Dean for the FPA’s Residency Program. She has been named as a top advisor by Worth and Washingtonian magazines as well as Bloomberg Wealth Manager and was named to Financial Times Top 100 Women Financial Advisers list in 2014. Elissa has been published extensively in the Journal of Financial Planning and is a frequent conference presenter on the topics of policy-based financial planning, the discovery process in financial planning, and the role of science in the development of the profession. She has been a conference keynoter throughout the world, including the United States, Japan, the UK, South Africa, and Korea. Elissa holds an appointment as Distinguished Adjunct Professor in Golden Gate University’s Ageno School of Business, where she co-teaches the capstone Cases in Financial Planning course. In October 2013, Elissa was awarded the prestigious P. Kemp Fain, Jr. Award, the Financial Planning profession’s equivalent of a lifetime achievement award.
When asked about how she felt to be honored on this list, Elissa said “I’m very proud of this recognition but my tagline has become, ‘I’m not dead yet!'”
We believe sharing unconditionally is the path to abundance.
Several members of our San Francisco Financial Planning team recently participated in Financial Planning Day, an event that allows the public to meet one-on-one with dozens of highly qualified CFP® professionals to discuss personal finance questions, concerns and interests. Attendees of the event received free, no strings-attached financial advice from professional financial planners who chose to volunteer their time and expertise for the special day. Jennifer Hicks, Financial Planner in our San Francisco office, has attended five Financial Planning Day events in San Francisco and served as the chairwoman of this year’s event. When asked why Financial Planning Day is so important, Jen said,
“Every minute, hour, day, or year you choose to avoid your financial questions or savings is literally a costly decision. By addressing your concerns with a professional early, you can either be growing the savings you’ve diligently put aside or ensuring that you have the necessary protection in case of emergencies, which can save you bundles down the road. Professionals exist because each of us have our specialties, and it is impossible to know everything about everything! I don’t know what I don’t know about cars … so I go to a mechanic. I don’t know what I don’t know about being sick … so I go to a doctor. You don’t know what you don’t know about financial planning … so come see a financial planner at Financial Planning Day! “
This year, the event drew an incredible 340 attendees who were assisted by 44 CFP® volunteers. As a committee member, Jen had the opportunity to work closely with many of the financial professionals and affectionately described them as, “people who love to give back and truly believe in the benefits of helping others plan for their future. They’ve committed their lives to financial planning in order to make a living, but are happy and excited to spend a day doing what they love for others who aren’t able to pay them back.” In addition to Jen’s participation, two of our Financial Planning Residents in San Francisco, Russell Kroeger and Sabina Smailhodzic, volunteered for the event. Russell felt a similar appreciation for the volunteers, saying, “It was great to see the number and caliber of planners who volunteered to provide advice. I am encouraged by the passionate interactions I observed between the volunteers and attendees.”
Sabina shared one of her most memorable experiences with us which exemplifies exactly why we feel so strongly about events like Financial Planning Day and sharing pro-bono financial planning with as many individuals as possible,
“I had the opportunity to shadow a financial planner providing free, no strings-attached advice to an attendee. The attendee was an example of why financial literacy is so important! She and her husband earn approximately $30,000 per year and she has a $150,000 student loan with a 9% interest rate that she is not paying towards. She sat in silence for a few moments after the financial planner told her how much the loan balance is growing each year that she defers payments. She finally broke the silence by telling us that she wishes someone had explained to her how a student loan works prior to enrolling in higher education. So do we!”
SAN FRANCISCO, Ca, November 12, 2015 – Yeske Buie was selected as the winner of the 2015 Trailblazer IMPACT AwardTM, part of Schwab’s IMPACT Awards® program created to recognize excellence in the business of independent financial advice. The Trailblazer IMPACT Award honors a firm for its dedication to helping the industry as a whole reach new heights through focused initiatives or the passionate commitment to service excellence. The award was selected by a judging panel of industry experts and presented to Yeske Buie at IMPACT® 2015 in Boston, MA on November 12th. The entire Yeske Buie team was in attendance for the prestigious ceremony.
“I’m very proud that our firm is being recognized in this way,” said Yeske Buie managing director, Dave Yeske, “and I’m also tremendously proud of our talented team members without whom this would not have been possible.”
Yeske Buie is a leading wealth management firm providing financial planning and asset management to over 200 clients around the world. The firm’s founders and principals, Dr. Dave Yeske, CFP® and Elissa Buie, CFP®, have almost 60 years of combined experience practicing financial planning and leading the profession. The firm is known nationally for its volunteer service and the Principals’ leadership in the profession and their writing and presentations on topics such as Evidence-Based Financial Planning® and Policy-Based Financial Planning. Their philosophy of Live Big® and Creative Strategies – Grounded Wisdom® form the pillars for their company vision and strategy and contribute to their primary focus of delivering an exquisite experience to their Clients. Internally, the firm has a culture of excellence, learning, team work, constant improvement and fun.
Yeske Buie’s Financial Planning Resident Program, Give Big philosophy, and ambitious technology strategy are among the reasons why Yeske Buie earned this award. Yeske Buie’s innovative Financial Planning Resident program, fashioned after a Medical Residency at a teaching hospital, equips aspiring financial planners with three years of hands-on guidance and foundational training necessary to qualify to be a CFP® licensee. In return, the firm gains additional capacity and helps contribute to the pipeline of new planners entering the financial planning profession adequately prepared to work with Clients. Additionally, one of Yeske Buie’s defined core values is a commitment to sharing their time, their intellect, and their resources; they call this philosophy, Give Big. The Give Big philosophy encompasses community service, domestic and international speaking engagements, high-level involvement in professional associations, educational engagement, and more. Yeske Buie has incorporated these activities into a culture and a lifestyle that they embody both as individuals and as a team. Finally, Yeske Buie continuously seeks technologies that will leverage internal processes and external communication and will contribute to their primary focus of delivering an exquisite experience to their Clients. They have adopted many technology platforms to achieve these goals including their Client Private Page® which streamlines internal report generation while maximizing the frequency and quality of client reporting. These are just some of the initiatives that defined Yeske Buie as a pioneer in the industry.
As part of the Trailblazer IMPACT Award, Charles Schwab & Co., Inc. will make a $15,000 donation on behalf of Yeske Buie to the Foundation for Financial Planning, an organization devoted to providing pro bono financial planning services to the underserved. Yeske Buie has a strong involvement with the Foundation; in addition to serving many years on the Board of Trustees, Elissa Buie also served a two year term as Chair of the Foundation, and the Yeske Buie Financial Planning Team makes regular donations to the organization.
Yeske Buie and its employees are independent of and are not employees or agents of Charles Schwab & Co., Inc. (“Schwab”). Schwab does not prepare, verify or endorse information distributed by Yeske Buie. The Trailblazer IMPACT AwardTM, part of Schwab’s IMPACT Awards® program, is not an endorsement, testimonial endorsement, recommendation or referral to Yeske Buie with respect to its investment advisory and other services.
The Yeske Buie team gathered in San Francisco last week for our BIGGEST semi-annual company retreat to date. We recognize this as our biggest retreat not only because of the size of our staff, but also because of our retreat work. This year, the team focused on solidifying Yeske Buie’s worldviews and core beliefs which resulted in the formation of what we call, the BIGs. Our Clients and friends are most likely familiar with the terms Live Big® and Give Big. After challenging exercises and vulnerable discussions, the Yeske Buie team distinguished four additional BIG worldviews: Be Big, Think Big, Learn Big, and Client Big. Each of the BIGs are complemented with a meticulously crafted belief statement. Collectively, the BIGs communicate who we are and what matters to us at Yeske Buie.
When the team wasn’t hard at work, we had the opportunity to spend time together, enjoy delicious meals, and experience the San Francisco Opera! The week ended with our Open House in the San Francisco office which featured delicious food from JJardine Catering and beautiful music from a violinist and a cellist. We hope you enjoy the following pictures from our week in San Francisco.
Yeske Buie Worldviews and Core Beliefs
Lauren G and Camille excited to begin our core values work.
Cristin and Cody review core values materials.
The team participated in an exercise to learn more about Elissa and Dave’s worldviews: Elissa and Dave ranked themselves on various scales while the rest of the team estimated where they felt Elissa and Dave ranked on the scales.
The beginning of the BIGs Yeske Buie’s worldviews and core beliefs.
The team discussed and debated the BIGs to ensure we fully captured our values.
The result of our exercises and discussions is empowering.
To practice articulating who we are and what we believe, “reporter” Elissa joined our retreat.
Elissa pretends to be a reporter, asking members of the team to describe specific worldviews and beliefs.
“Reporter” Dave also joined the retreat for a similar exercise.
Dave challenged team members to think on the fly to articulate our worldviews and beliefs.
The team ended the retreat with a visioning exercise to recognize our celebrations, Live Big goals, near-term goals, and more.
The retreat concluded with our Open House in San Francisco. This year’s entertainment included a violinist and a cellist.
Beautiful flowers and delicious food filled the conference room at our Open House.
Of course, the team’s hard work was rewarded with fun events as well. The team enjoyed a delicious Italian meal at North Beach Restaurant.
The University Club of San Francisco was the meeting place for this year’s retreat. The team is enjoying one of several tasty meals in the Black Cat Bar.
The Black Cat Bar is named after the historic Benny Bufano statue of the black cat. For decades, the cat sat in the San Francisco Press Club and marked the boundary of what reporters were allowed to take notes on. If you stood behind the black cat, everything you said was off the record. Rumor has it that the cat is missing his ears because he would take a hit whenever an off record comment ended up in the morning paper.
Dorothy and Victoria at the Opera.
Russell, Sabina, and their significant others are enjoying a night at the Opera.
The group is all smiles after a stunning, one-of-a-kind performance of Lucia di Lammermoor.
Cody Daniels joined the Yeske Buie team this summer as a Financial Planning Resident. Cody earned a Bachelor of Science degree in Business Management, with an emphasis in finance from Brigham Young University—Idaho in April 2012. Subsequent to his undergraduate studies, he sought a position with a financial planning firm in his hometown of Idaho Falls. Soon realizing that few of the available positions would allow him to operate as a fiduciary while serving his clients, he enrolled in a CFP® Board Registered Program at Kansas State University, earning a Master of Science degree in Personal Financial Planning in May 2015. Cody has a passion for financial planning and helping individuals and families achieve their personal financial goals. Cody traveled with his wife to San Francisco to join the Yeske Buie team, and is focused on expanding his financial planning knowledge through Yeske Buie’s Financial Planning Resident Program. In this edition of Meet the Team, Cody answers a few questions about his passion for Financial Planning and his goals during his time at Yeske Buie.
What area of Financial Planning do you find the most intriguing and why?
I definitely find retirement planning and estate planning to be the most intriguing, mostly because that’s the primary concerns that several Clients have. Many Clients come in asking, “What do I need to do now to make my retirement what I envision it to be?” and it’s really rewarding to me to go through that process with them to answer those questions they have. Very similarly to retirement planning, people are very concerned with what kind of legacy they are going to be leaving whether monetary to children and grandchildren or being able to contribute to their alma mater and other charitable giving. I enjoy helping Clients know that their life goals and visions didn’t just end with their end of life but they continue on as they are able to contribute more.
What unique skills and abilities do you feel you bring to Yeske Buie?
I think the greatest strength that I bring is my ability to connect with people. Since a young age, it was very easy for me to connect with people and I was never afraid to get involved and learn more about people and form relationships. Within a professional business such as financial planning, relationship building plays a huge role because you must be able to pick out the areas that are meaningful to Clients so you can in turn incorporate their goals and passions into their financial plan. I see this happen at Yeske Buie quite frequently and I feel I will be able to contribute to this even further. I like that each Client has their own plan that’s made for them because there’s no cookie cutter plan when it comes to financial planning. The plans are individually tailored to each Client and as relationship building is one of my strengths, I think this will play into my success at Yeske Buie.
What are you most looking forward to during your time as a Financial Planning Resident with Yeske Buie?
One of the primary reasons that I found working with Yeske Buie appealing is the opportunity to learn from and be mentored by Dave and Elissa, who are both well-respected financial planners both within the financial planning community and among their Clients. Also, I look forward to learning more about the residency program as well as having the opportunity to meet with Clients and interacting with them. As I mentioned earlier, I enjoy relationship building so I am eager to learn more about Yeske Buie’s Clients’ lives and goals and incorporate what I learned in my education into the real world by applying it on a Client basis. In addition to that, I look forward to the opportunity to branch out from my small town roots of Idaho into a bigger city and explore all that the San Francisco Bay area has to offer, which my wife and I have been quick to start on. Ultimately, I feel that Yeske Buie will provide me with more opportunities that I wouldn’t get at home.
What does it mean to you to be part of the Yeske Buie team and to be part of one of the first Financial Planning Residency programs in the country?
To me it’s very exciting, that’s the first word that comes to mind. When I was first investigating the firm, and now with my experience with the Yeske Buie culture for a few months, one thing that really stands out to me is an attitude of excellence and how this is portrayed in the office and on the webpage. Each individual at the firm is exemplary and brings an array of talents that help make Yeske Buie be the best financial planning firm in the nation. The environment is one that I feel will push me more than perhaps any other opportunity that I could have taken. Being part of the Financial Planning Residency program will be rewarding with respect to my career growth and will help prepare me for other opportunities after my residency; such as working with another well respected firm or going back home to Idaho and opening my own firm. Whichever route I decide to go, I believe Yeske Buie will prepare me well.
What is one of your Live Big® goals?
My current Live Big goal is saving money as my wife and I are working towards a trip to tour Italy for our 10 year anniversary which is in 3 years. We’re fascinated with the Romanesque architecture and vast amounts of art and history that exists there. We’d love to do have the opportunity to celebrate the first decade of sharing our lives together exploring this culture.
“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson