Happy Thanksgiving 2014

Firm News & Events, TheLiveBigWay Digeston November 26th, 2014No Comments

With all the noise and turmoil that sometimes fills our daily lives (not to mention our daily newspapers), we all cherish the opportunity for quiet reflection and the joyful fellowship of family and friends that Thanksgiving Day brings us each year.  On this eve of another Thanksgiving, we wanted to say how thankful we are for all the special people in our lives and to take the opportunity to share again a few suggestions from The Live Big List.  As you may recall, the List was started in 2009 as an attempt to refocus on the things that mattered most at a time of financial turmoil.  As we put it then, “if we can find the place of gratitude for what we have, we can find joy in the most mundane of places, and, hopefully at least get our minds off of how scary the world can feel at times.”  Here are a dozen entries from the 88 items now on the list.

  • - Walk the dog (borrow one if you don’t have one of your own)
  • - Hug someone (be careful, in general it should be someone who you know)
  • – Teach a teenager to balance a checkbook
  • – Read all those books you’ve been accumulating
  • - Watch “It’s a Wonderful Life” or “Love Actually” or some other feel good movie
  • – Write an old fashioned letter to someone
  • – Give a stranger a compliment
  • – Throw a Board Game Night at your house for friends, family, neighbors
  • – Put a puzzle together
  • - Take a leisurely walk around a new neighborhood in your city – be a “tourist”
  • - Call a friend and tell them you value their friendship
  • - Make a charitable contribution

You can read all 88 entries on the Live Big List (and add your own) here: What it means to Live Big in these trying times.

Happy Thanksgiving

Elissa and Dave Speaking in Korea

Firm News & Eventson November 20th, 2014No Comments
Elissa and Dave have been in Seoul, Korea this week, having been invited to speak at the Korea Financial Planning Association’s annual conference.
In his keynote presentation, Dave will be discussing the three phases of good retirement planning, from uncovering client goals, vision, and values, to designing effective strategies for accumulating retirement savings, to establishing a Safe-Spending path to ensure a sustainable lifestyle throughout retirement. One of the themes at the heart of this three-phase process is the use of Policy-Based Financial Planning, an approach that Elissa and Dave have been writing and presenting on for nearly a decade, including a discussion with the Wall Street Journal in 2010.  Elissa and Dave are in the process of writing a book on TheLiveBigWay Safe-Spending System.
Elissa’s presentation is titled, “Building Client Trust and Commitment Through a Strong Relationship Management Strategy.”  During this workshop, Elissa will review some of the research related to how financial planners can most effectively work with their clients in order to develop a full understanding of what matters most to clients, as well as communicate planning strategies in a way that motivates change and helps ensure successful achievement of client goals.

Namsan Park

At Namsam Park overlooking the city

Temple

Jogyesa Buddhist Temple

ChanDeokGung Palace

Changdeokgung, one of the five palaces of the Joseon Dynasty emperors

Traditional Neighborhood

The narrow streets and traditional homes of Jongno-gu district

Dave in Korea Korean Food Elissa in Korea
Elissa and Dave enjoy a meal at Namdaemun Market

 

Meet the Team: Dorothy Navales

Firm News & Eventson October 23rd, 2014No Comments

Dorothy Navales is a member of Yeske Buie’s client service team working in our San Francisco office. Dorothy has over 15 years of experience in the financial services industry and has been with Yeske Buie for over 4 years. Prior to joining Yeske Buie, Dorothy worked for Citigroup’s Institutional Investor Group, Shuman & Schneider, Wells Fargo Foreign Exchange Trading & Sales, and Union Bank of California’s Capital Markets division. Dorothy interacts directly with the firm’s clients on a daily basis. Additionally, her responsibilities include operational and administrative support to enhance the client experience and the support of the financial planning team in serving clients. We asked Dorothy to share a bit about her professional and personal life and learned a lot about her life as a a working mother of a promising athlete!

How did you begin working in the financial services industry?

The simple answer is, I was incredibly blessed with various opportunities in the financial services industry and it just fit right for me. I came to the United States from the Philippines with my dad and I had no sense of direction on what I wanted to do. My first job was a teller at Bank of America and as the job evolved, I was working in Foreign Exchange. Even with the progression of the job, I wanted more for myself and ended up changing jobs and working at Union Bank as a vault teller and foreign exchange teller. I then moved on to the investments area and eventually found a love for financial planning and Yeske Buie.

What is your favorite working at Yeske Buie?

I love working with Clients! I just love being around people, learning about them, and building a relationship with them. Every time we hold an Open House event, it’s amazing to see everyone and get closer to people. I learn about them and their families and they learn about me and my daughter and remember things about my life. Together we may come across difficult situations but the hard work is very rewarding. I also love the flexibility that Yeske Buie has; it was so important for me wherever I worked to have flexible hours so I could be a part of my daughter’s life and take her to her games and practices.

WEDDJ Group Photo WEBMany of your current updates include news about both you and your daughter, Dannika. There’s no doubt that you and Dannika share a very special mother/daughter bond. What can you tell us about your life as a sports mom?

Well Dannika was a very active child and kept me busy! I had tried to take her to playgrounds but it just wasn’t enough for my child. A friend suggested to me that she needed somewhere to direct her energy and it happened that I had a friend who taught soccer and he recommended we try a program in Palo Alto. Dannika and I showed up at the practice and they immediately rejected her because she was tiny. My friend convinced the coach to try her out and by the end of the practice she had a jersey and a spot on the team. From there, I found out my daughter was very athletic and by first grade, people were already talking about scholarships. As she grew up, I spent a lot of my time and weekends traveling to practices and games and loved every second of it.

IMG_0005 image (5)

Wow, that’s great! Does she still play sports today?

Yes, she is currently on the basketball team at Whittier College and I try to attend as many of her games as I can. In her sophomore year, I attended my favorite game of her college career. The team was struggling and as I was watching, I felt bad and had mixed emotions because as a mom you want the best for your child. What I thought would be a regular game turned out to be a game where she scored 38 points and ended up on the front page on her school paper! After the game, the other coach asked to talk to her about her amazing performance. From a distance, I could see how happy she was and all the great compliments she was receiving from the coach – I was SO PROUD! I will never forget that game.

IMG_0020

What a special game to watch your daughter play! Will basketball continue to be in Dannika’s life after college?

Dannika hopes to continue playing, ideally in a different country over in Europe. She has a good friend who plays in France and she wants to do that, too. As her mother, I want to support her in any way I can and have been looking for an agent to help her reach that goal. In addition to loving basketball, she loves Europe. As her high school graduation gift, I gave Dannika the option of a car or a trip to Europe and she picked to travel with me. So, she and I took a mother /daughter trip to the UK, Spain, Italy and France. The trip was very dear for both of us; she could have picked the car but she picked me and that made me very proud of her.image (7)

image (20) image (13)

 

Yeske Buie Fall Open House

Firm News & Eventson October 6th, 20141 Comment
 Featured Wines from Elissa and Dave’s Favorite Wineries
Iron Horse Wedding CuvéeIron Horse Classic Vintage Brut Iron Horse Russian Cuvee Iron Horse Ocean ReserveIron Horse Wedding Cuvée – Iron Horse is best known for this cuvée. Fresh and festive, this bubbly is built for a party!

Iron Horse Russian Cuvée – This cuvée was first produced for the historic Reagan Gorbachev Summit Meetings, ending the Cold War. This is the richest of Iron Horse’s Sparklings and has been served at the White House for five consecutive Presidential Commemorates.

Iron Horse Classic Vintage Brut – The Classic Vintage Brut is a traditional blend of estate Chardonnay and Pinot Noir, aged four plus years en tirage. Perfectly named, it is both classic and vintage in every sense of the word; a sleek and impeccably focused bubbly, that offers a crisp, laser like finish.

Iron Horse Ocean Reserve – This cuvée was created to celebrate the 125th anniversary of National Geographic and $4 from the sale of each bottle will be donated to create marine protected areas and reduce overfishing around the world.

Iron Horse UnOaked Chardonnay – With no oak, this Chardonnay stars pure pineapple, orange, green apple, lime, and tropical fruit flavors, brightened with crisp acidity. This wine is a beautiful, pure expression of Green Valley, where Iron Horse is located, in the coolest, foggiest reach of the Russian River Valley.

DeLoach Forgotten Vines Zinfandel – San Francisco firefighter Cecil DeLoach spearheaded Pinot Noir wine growing in the Russian River Valley in the early 1970s. After the Boisset Family from Burgundy, France assumed ownership in the early 2000s, they have since enhanced the health of the land and the quality of the wine by incorporating eco-friendly farming practices through Biodynamic winemaking. The Forgotten Vines blend is comprised of several exemplary mature vineyards first planted in the late 1800s and early 1900s in the warmer reaches of the region.

Merry Edwards Sauvignon BlacMerry Edwards Russian River Valley Pinot NoirDeLoach Forgotten Vines ZinfandelIron Horse Unoaked Chardonnay (2)Merry Edwards Russian River Valley Pinot Noir – It’s been said that in many ways, Merry Edwards is like her wines – complex, balanced, and memorable. An intricate blend of artistic vision, scientific training, spirit and grace, she leaves a lasting impression. This wine combines grapes from six different vineyards located across the range of Russian River Valley.

Merry Edwards Sauvignon Blanc – In the glass, the wine is mouthwatering, showing off floral notes of jasmine, orange blossoms and lemon verbena. This delicate perfume is complemented by rich citrus tones of lime zest, tangerine and mandarin orange. White peach and ripe pear along with tropical accents of pineapple, lycheé and guava round out the aromatic profile. A hint of minerality, along with a bit of exotic barrel spice — cumin and coriander — add even more intrigue.

 
Wine GlassYeske Buie Souvenir

We will have stemless wine glasses with the Yeske Buie logo and Live Big® motto for attendees to take home after the event!

Queen of CupsQueen of Cups Tarrot

Back by popular demand, the Queen of Cups will make a return to this years’ Client Event along with a Palm Reader!

While we lack a functioning crystal ball or other means for predicting the direction of the markets (and, of course, we don’t believe anyone else possesses such means either), there are realms beyond the reach of scientific knowledge where anything might be possible.

Come to the Yeske Buie client event and meet the Queen of Cups Tarot and Tea, who promises a “powerful tool that offers insight and guidance for individual life circumstances.”

JJardine Catering will be Providing Halloween Themed Appetizers

A local favorite, JJardine provides locally and sustainably sourced food using organic ingredients wherever possible.

  • Prawn of the Dead
  • Truffled Deviled Eggs with Spiders
  • Severed Fingers
  • Tombstone Crostini with Graveyard Swamp Mousse
  • Roasted Portobello Mushroom & Gruyere Sliders
  • Triple Chocolate Truffle Cups
  • Mini Fresh Fruit Tartlets
Halloween Food

 

Meet the Team: Jen Hicks

Firm News & Eventson September 25th, 20144 Comments

Jennifer Hicks is a member of Yeske Buie’s financial planning team working in our San Francisco office. Jen graduated from Virginia Tech’s highly ranked Pamplin College of Business with a B.S. in finance with a financial planning concentration and is a Certified Financial PlannerTM (CFP) professional. She is an active member of the Financial Planning Association (FPA), serving on the San Francisco chapter’s board of directors with a particular focus on pro bono programs. In her day-to-day work, Jen serves Yeske Buie’s clients in all key areas of financial planning, including plan preparation, annual updates, portfolio review and rebalancing, and ad hoc analyses as client needs dictate.

Jen recently returned from a two week trip to Southeast Asia. During her adventure, she visited a total of four countries and eight different cities spending anywhere from eight hours to five days in one place. Her stops included Hanoi, Ha Long Bay, and Hoi An in Vietnam, Siem Reap, Cambodia, Krabi, Ko Phi Phi Island, and Phuket in Thailand, and Seoul, Korea.

What made you choose Thailand as one of your destinations?

Personally, I first “got the bug” to go to Southeast Asia when a friend moved there a few years ago. I always wanted to visit her but never had the chance before she moved back to the States. However, the desire to explore that portion of the world never left me. Earlier this year, a few friends and I started talking more seriously about making this trip happen and before we knew it, our flights were booked! Thailand specifically was a destination for my friend that came with us. She was very interested in traveling to Thailand to see the animals and the culture of the country. I suggested Vietnam as my sister had visited the country not long ago; and, she was a great resource to help us conquer as much as we could in two weeks!

Photo Aug 29, 12 04 35 AM Photo Aug 24, 2 28 28 AM

What was the highlight from your time in Vietnam?

My favorite part of Vietnam was the time we spent in Hoi An, a town along the coast of central Vietnam. Hoi An is a UNESCO World Heritage site and is known for being a quaint ancient town that was once the largest trading port in Southeast Asia. It is a very special place and gives you the option of the beach, the countryside, or the historical town. We stayed with a very kind Homestay family through AirBnB, which added to the uniqueness of this portion of our trip. We decided to take the opportunity to explore the town on our own via motorbike. Along our way, we met a man who was very gracious and took the time to talk to us and teach us a bit more about the area and people of Vietnam (and he also might’ve pointed us in the right direction!). Hoi An was my favorite because it was just a sweet, happy and peaceful place. Despite the heartbreak that Vietnam has experienced, the people we met were very happy and kind, and it was a great experience to deepen our understanding of the culture.

Our friend shared a saying with us that he said many Vietnamese try to live by and embody – “The secret of health for both mind and body is not to mourn for the past, worry about the future, or anticipate troubles, but to live in the present moment wisely and earnestly.” – Buddha

Photo Aug 29, 4 45 30 PM Photo Aug 25, 10 25 44 AM

Was there anything that surprised you during your time in Asia?

The traffic hazards and riskiness in Hanoi! Our first day of the trip, sitting in the van that brought us from the airport in Hanoi it was so nerve-racking surrounded by cars, trucks, and motorbikes seemingly doing whatever they want. Their street system is very complex, everyone is moving very fast, and they don’t really pay attention to the traffic signals. Once we started exploring the city by foot, it was terrifying and VERY difficult to cross the street without nearly being hit by someone or something! Also, motorbikes are a very common mode of transportation and it’s not uncommon to see full families (sometimes with helmets, sometimes without!) on one motorbike traveling across the city. This time in the city was a great first introduction to the lifestyle there.

Photo Aug 27, 10 01 33 AM Photo Aug 23, 11 45 39 AM

What is your favorite travel memory involving food?

My favorite food memory would have to be the cooking class we took in Hoi An. The day started with a trip to the market and smelling/tasting the different spices and plants we would later be using to prepare our meals. After the market, we went back to the restaurant where we learned more about Vietnamese food and delicacies. Our guide, Ruby, took us around to try some of the “street food” they served – such as frog legs, jelly fish, pig brains, silk worms, and duck embryo (and we lived to tell the tale!). I did have to pass on the snail, which was enjoyed by sucking it directly out of the shell. Following our taste test, we moved to the classroom and cooked a total of three Vietnamese dishes. It was awesome to be able to make this delicious food even though I’m not a great cook. The dishes we cooked were a shrimp dumpling soup, an onion pancake, and a mango salad with grilled chicken skewers… delicious!

Photo Aug 27, 7 14 19 PM Photo Sep 16, 1 44 08 AM

Tell us some of the hidden gems you’ve come across in your travels!

While we were in Ko Phi Phi at a resort enjoying the beach and waters and relaxing after our chaotic travels in various cities, we found a small little village behind the resort with incredibly friendly people. The first night, we met some people and became fast friends; we ended up going to dinner with them 3 nights in a row! We got to know Momma and her family who ran the restaurant very well and even posted pictures together on Facebook. One of the best parts about traveling, in my opinion, is the people you meet along the way. Among our many adventures in each city, we encountered people of all ages from all over the world. It was just really fun to be able to immerse ourselves in the foreign cultures of Southeast Asia, while meeting people from other foreign cultures and still be able to relate to and learn from one another through sharing our experiences.

Photo Aug 26, 9 48 34 PM Photo Sep 03, 10 34 29 PM

Meet the Team: Sabina Smailhodzic

Firm News & Eventson September 11th, 2014No Comments

Get To Know Sabina

We are excited to welcome Sabina Smailhodzic as Yeske Buie’s newest team member and first Financial Planning Resident. Sabina traveled across the country from Kentucky to join the team in San Francisco.  We recently interviewed Sabina about her life and interests and here share the results of that conversation.

With a Bachelor of Science degree in Chemistry and a minor in Biology, how and when did you become interested in Financial Planning?

When I graduated college, I had no idea what I wanted to do career-wise for the rest of my life. Quite honestly, I wasn’t too worried at the time.  I decided to take the opportunity to check numerous items off my Bucket List.  Unfortunately, nearly one year after graduating, I still had no idea what I wanted to do.  My parents suggested that I go back to school for a graduate degree in Chemistry, but I knew that I did not want to work in the field of science; I couldn’t see myself being an analytical chemist like I once could.  In attempt to find the right career for me, I took various personality tests.  I very quickly noticed that Financial Planning was a suggestion on nearly all of them!  I had become really good at saving money and prioritizing expenses in order to afford the various trips I have taken, but I never knew there was a career for helping people with their money!  After a few more Google searches, I found that Western Kentucky University had a CFP® Certificate Program.  Within a week of reaching out to the program director, I was enrolled and ready to begin classes.  I completed the program in two years and have enjoyed learning more about what is means to be a Financial Planner through various jobs and internships.

What is your favorite aspect of Financial Planning?

The subject area that I enjoy the most is Estate Planning.  However, my favorite part of Financial Planning is the client-advisor relationships and the potential to make a difference in someone’s life.

 What would you say was the best item you crossed off your Bucket List?

That is a tough call!  I really enjoyed traveling.  I spent the summer following graduation working as a Team Leader for an academic and life skills camp in Hong Kong.  Once I returned to the States in the fall, a friend of mine asked if I would like to join him on a trip to Jordan.  He knew that I had taken Arabic during my last year of college and thought it would be a great opportunity to put my education to good use.  I couldn’t have agreed more, and before I knew it, I had landed in Amman!  I contemplated attending the University of Jordan to master Arabic and become a translator, but after a month, I realized that Amman was not the best fit for me. The geography of the area made it impossible for me to continue my favorite hobbies, which are mostly outdoors.  There are only so many times one can drive five hours to hike Petra!

dead sea in Jordan - Copy Petra with camel

Besides travelling, what were some of the other items you crossed off your Bucket List?

Upon returning from Hong Kong, I became the mascot for an aluminum can recycling program: Drive To A Million.  I had always wanted to be a mascot, but never found the right one for me.  That is, until I found the Can Man!  Or shall I say Can (wo)Man?  The mascot encourages parents to bring aluminum cans to local schools as a means of raising money.  I attended fall school festivals and pep rallies to raise awareness for the program, as well as teach kids how to dance the Cha Cha Slide!

Another item on my Bucket List was to be a cashier on Black Friday at a major retail store.  I applied to Old Navy and negotiated my seasonal employment to include being a cashier at midnight on Black Friday.  The management team must have thought that I was crazy, but I was very excited to experience the busiest shopping day in America from the other side of the counter.  I enjoyed it so much that I remained an employee and worked Black Friday for the following two years. 

On a more adventurous note, I went skydiving for the very first time and had a blast!  I would highly recommend that everyone do it at least once in their lifetime.  I can’t even describe the feeling of literally walking off an airplane and spinning in mid-air! 

Can Man sky dive - Copy

What is one of your Live Big® goals?

One of my Live Big® goals is to travel throughout Europe for a month.  As a native of former Yugoslavia, nearly all of my family lives in Europe.  I have not had the opportunity to visit my family for several years and look forward to seeing them soon.  I would also like to explore Norway and Sweden!

What is your favorite thing to do on a Sunday afternoon?

 My boyfriend and I enjoy being outdoors on Sundays, especially kayaking and hiking.  Kentucky is known for its outdoor attractions, including lakes, rivers, and cave systems.  We oftentimes kayak down a river nearby his home or hike the trails at Mammoth Cave National Park.

hiking in CO

Sabina Hiking in Colorado

hiking with Alex

Sabina Hiking with her boyfriend, Alex

What is your first impression of San Francisco?

So far, I really like it!  I recently walked along the northern Fertile Crescent from Fishermans Warf to the Golden Gate Bridge.  Im finding that people love being outdoors here with the year-round beautiful weather and everyone seems very friendly.  Also, I love the variety of food in the city, especially the different fusion places with unique dining options.  Last week, I ate at Shushirrito which offered hand-held sushi burritos stuffed with savory Asian and Latin-infused ingredients and flavors.  What a combination!

Lauren Grove Passed the CFP® Exam

Firm News & Eventson August 28th, 2014No Comments

Lauren Grove, Yeske BuieAfter months of studying and weeks of waiting for results, we are pleased to announce that Lauren Grove has passed the CFP® Exam. The CFP® Exam is one of three steps required to earn the CERTIFIED FINANCIAL PLANNERTM designation (in addition to the education requirement and the two year apprenticeship requirement). It is a 10 hour exam taken over two days. Lauren used the Ken Zahn (Zahn, Inc.) study program which focused on three to four months of pre-study materials, a four-day in-person live review course, and post study materials given at the live review course. Lauren will complete the two year apprenticeship requirement by Spring 2015 to officially become a Certified Financial Planner. Learn more about Lauren Grove and earning the CFP® Certification.

Far West Round-Up

Financial Planning, Firm News & Eventson August 28th, 2014No Comments

The Yeske Buie Financial Planning Team attended the 2014 FPA Far West Round-Up Conference in Santa Cruz from Thursday, August 14 to Sunday, August 17. The Round-Up has many features of the Old West, including a designated sheriff (leader), posse (conference committee), and greenhorns (the new attendees). Dave has presided as sheriff for five years running. Financial planners gather at Round-Up for many reasons, but the main value is best expressed by the following quote from our good friend and fellow financial planner from Sacramento, Jim Johnson:

“Want to know what will be going on in the financial planning profession in the next 10 years? Go to FPA Retreat and Far West Round-Up.”

We will be sharing some of the insights gleaned from the conference in the next Digest. As an example, a particularly insightful presentation by attorney Ray Sheffield on planning for “portability,” a relatively new dimension of estate planning, spurred the financial planning team to initiate a new kind of review that we’ll be bringing to clients’ estate plans in the coming months.

For now, we hope you enjoy some of the photos from the event.

Intro Session WL The Q Group WL Group Picture WL 1st Session Attendees WL Santa Cruz WL Boardwalk WL Dinner in SF WL

YeBu East Coast Gives Big

Firm News & Eventson August 14th, 20142 Comments

For the second time this year, YeBu East Coast team members volunteered with Dreams for Kids, an organization  focused on organizing life-changing activities that empower children with physical and developmental disabilities to unite with their peers and realize their full potential. Dreams for Kids’ Extreme Recess clinics enable children with disabilities to enjoy sports and realize their full potential to succeed in all aspects of life. This time, some of our team members participated in the Extreme Recess Basketball event. Kids and volunteers were paired up one-on-one and participated in various passing, dribbling, and shooting drills. The event concluded with a mini-game and pizza. Everyone involved had a great time playing games and making new friends!

YA and Robert

Yusuf and Robert during the dribbling drill.

LV and Johanna

Lauren and Johanna high-fiving after making a basket!

YA, CE, SB, LV

Cristin, Yusuf, Summar and Lauren at the Dreams for Kids event.

LV and CE with Johanna

Johanna, Lauren, and Cristin having a good time playing basketball.

Robert Shooting with YA

Yusuf and Robert during the shooting drill.

LV Passing Drill

Lauren, Johanna, and others during the passing drill.

 

Summar is a Registered Paraplanner

Firm News & Eventson July 31st, 20141 Comment

We are proud to announce that Summar Briede recently received her Registered Paraplanner (RP®) certification. In order to become a RP®, Summar had to:

-Complete an educational program in theory and practical application developed by the College of Financial Planning
-Pass the proctored and timed end-of-course exam with a 70% score or higher
-Complete a three-month long internship to verify mastery of a set of basic financial planning-related skills

Summar will continue to serve as one of our Client Service Administrators, but her RP® certification has given her insights that will help her better support Yeske Buie’s aim to be the recognized best financial planning firm in the country.

Congratulations Summar!

 


“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