Recent Commentary

TheLiveBigWay Digest – Roundup and Residents

TheLiveBigWay Digeston September 11th, 2014No Comments

Insights from Far West Roundup

In the last Digest, we shared pictures from the Far West Roundup conference the Yeske Buie Financial Planning team attended in Santa Cruz, CA. In this issue, we offer some take-aways from the conference. With fewer than 100 attendees, Far West Roundup offers a much more casual and intimate atmosphere than other financial planning conferences. The collegial atmosphere has a significant impact on the vibe of the conference. For those four days, planners can focus solely on being students of the profession again.

Eiissa and Dave at V&E

Growing the Family Tree

One of the stops on Elissa and Dave’s recent two week trip to Europe is London, England. Visits to London are special for Elissa and Dave as Elissa’s mother was British and she still has many relatives living in the area. See pictures of Elissa and Dave in London and Barcelona.

While visiting her family and remembering many childhood summers spent in England, we were reminded of the Family Tree exercise members of the Yeske Buie team completed as a reflection on the lessons we learned from loved ones past and present. We offer up the example of Elissa’s and Dave’s family trees, along with a blank one that you can print out and complete for yourself.

Meet the Team: Sabina Smailhodzic

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. As a Financial Planning Resident, Sabina will work directly with clients, preparing financial plans and review, and working in all aspects of financial planning, from the discovery process to implementation and ongoing support of Yeske Buie’s Clients’ Live Big® goals. Learn more about Sabina’s interest in Financial Planning and her numerous bucket list adventures.

Smailhodzic, Sabina Headshot
Yeske Buie Open House: Save the Date!

Join the Yeske Buie Team from both offices for our Open House in San Francisco on Thursday, October 30th from 4:30-6:30pm. Elissa and Dave will feature several of their favorite wines and we will have stemless wine glasses as a souvenir. The event will also feature a professional tarot card reader and a palm reader. Please RSVP for the event by emailing Cristin Etheredge at Cristin@YeBu.com. We look forward to seeing you there!

 Retirement Special: Planning for the New Old

Samantha Allen recently wrote an article in Financial Planning Magazine that focused on the key questions and assumptions to consider when planning for retirement, most especially, how to think about longevity. She enlisted Dave’s help among the group of planners featured in the article to address how to determine what is enough for retirement, how much you should be left with, and which questions are important to ask to determine the appropriate longevity and lifestyle assumptions. Read Dave’s contributions and the entire Financial Planning Magazine article.

TheLiveBigWay Digest – Power Lunches and Planning Policies

TheLiveBigWay Digeston August 28th, 2014No Comments

Dave on CNBC’s Power Lunch

On Tuesday, August 19, Dave was featured on CNBC’s Power Lunch to discuss what small business owners need to do to prepare for retirement. The discussion stemmed from a survey conducted by Financial Planning Association (FPA) and CNBC.

Policy-Based Financial Planning

Policy-based financial planning is a technique that Elissa and Dave have been developing since their first article on the topic appeared in The Journal of Financial Planning in 2006. The approach has received a lot of attention in the press lately, in no small part because of a book called Investor Behavior: The Psychology of Financial Planning and Investing to which Elissa and Dave contributed a chapter on the topic of financial planning policies. Learn more about policy-based financial planning and read reviews from Financial Planning Magazine and Investment Advisor Magazine. 

Far West Round-Up

The Yeske Buie Financial Planning Team recently attended the 2014 FPA Far West Round-Up Conference in Santa Cruz. The Round-Up has many features of the Old West, including a designated sheriff (leader), posse (conference committee), and greenhorns (the new attendees). We will be sharing some of the insights gleaned from the conference in the next Digest. For now, we hope you enjoy some of the photos from the event.


Lauren Grove Passes 
the CFP® 
Exam
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 PLANNER designation. Lauren’s last requirement is to complete the two year apprenticeship requirement which she will fulfill by Spring 2015. Learn more about Lauren Grove and earning the CFP Certification.
Ask Elissa and Dave

Interested in learning more about Dave or Elissa as financial planners or as avid travelers? Looking for some clarity on a financial planning topic, the markets, or your portfolio? Share your curiosity with Elissa and Dave and receive an answer to the questions you’ve always wanted to ask! Read Dave’s answer to our first question.

 

The Yeske Buie offices will be closed September 1 iobservance of Labor Day.

TheLiveBigWay* Digest – Building a Life

TheLiveBigWay Digeston August 14th, 2014No Comments

 

Eugene Fama: Building a Life

Few economists have had a greater influence on how we think about the markets and how we structure client portfolios than Gene Fama. We’ve recently come across a brief, seven minute video in which Gene Fama discusses his life, how he came to be an economist, and some of the sources of his greatest insights. We hope you enjoy this brief video and believe you’ll decide it’s well worth seven minutes of your time.

Eugene Fama

 Books

Sheppard Kominars

When we get the opportunity and permission, we like to highlight the projects our clients have worked on; we take pride in our clients and enjoy when they share personal successes with us!  One of our clients, Sheppard Kominars, has shared many pieces of wisdom with us throughout our relationship, but most recently he shared two books he has written:Portal Poems: Perspectives on Aging, and, Write for Life: Healing Body, Mind, & Spirit Through Journal Writing.  We have spent time with both of these works and believe they are worthy of sharing with all.  

YeBu East Coast Gives Big

Over the weekend, members of the YeBu East Coast team volunteered at the Dreams for Kids Extreme Recess Basketball event in DC. Kids and volunteers were paired up one-on-one and participate in various passing, dribbling, and shooting drills. See pictures of the YeBu volunteers here.

 

Summar is a Registered Paraplanner

We are proud to announce that Summar Briede recently received her Registered Paraplanner (RP®) certification. 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!

TheLiveBigWay* Digest – Live Big®, Live Free

TheLiveBigWay Digeston July 31st, 2014No Comments
The Live Big® Chronicles – Live Big, Live Free
What does Live Big mean? Some may interpret it as meaning “spend big”, “live large” or a recommendation to some other form of overindulgence. But Live Big is about the size of your life, not the size of your wallet. In 2009, we compiled a creative and inspiring Live Big List; a list of ways that people could have rich, Live Big experiences without spending a lot of money. We were recently inspired by that idea to create The Live Big Chronicles, a new list that chronicles some of the things you can do to Live Big in the DC/Maryland/Virginia (DMV) and San Francisco areas without spending any money at all. See the beginnings of The Live Big Chronicles. 
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Introduction to the Yeske Buie User’s Manual
Yeske Buie User's Manual We’re pleased to introduce the new Yeske Buie User’s Manual, our interactive guide to all things Yeske Buie. Our new User’s Manual offers practical information ranging from how we serve our clients to how you can get help with any issue.  As you explore the Manual, you’ll also find a history of our firm’s evolution, in-depth discussions of our investment and financial planning philosophy, a chance to meet the Yeske Buie Team, and a guide to “Why YeBu Clients are Elite.” Jump right in and start exploring this wealth of useful and, we hope, interesting information.
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Meet the Team – Summar Briede
As Client Service Administrator in our Virginia office, Summar maintains each client’s Client Private Page®, places trades, manages advisory fee billing, and helps with paperwork and client requests. When she’s not at work, you are likely to find Summar and her husband Will at the gym practicing their Mixed Martial Arts. For the past two years, Summar has been training in Muay Thai, Kali, Brazilian Jiu-Jitsu and more! Learn more and see pictures of Summar’s training.
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TheLiveBigWay* Digest – Don’t Let Mayhem Get the Best of You

TheLiveBigWay Digeston July 17th, 2014No Comments
Millennials, Don’t Let Mayhem Get the Best of You
Umbrella X
If you’re a member of the millennial generation, or you know a millennial, we want to talk to you about why young people need liability insurance. There are three simple principles that we believe should be applied:

If you are a renter, you need renters insurance.
If you are a car user, you need auto insurance.
If you are an individual with human capital, you need umbrella insurance.

We know that many will read the foregoing and think, “well I don’t own anything that valuable in my apartment,” or, “I only rent cars for a short time and nothing’s going to happen, I’m a safe driver,” or, “I don’t have any assets, so I don’t need umbrella insurance.” This perspective is an understandable extension of our tendency to underestimate the value of what we own and, most especially, the value of our ability to earn an income. But even if you haven’t underestimated the value of your property or earning power, there is a significant reason why the policies above should be in your arsenal and it’s this: Mayhem.  Don’t let Mayhem get the best of you.
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Introducing: Ask Elissa and Dave
yeske-buie-02 We are excited to introduce a new feature to our Digest called “Ask Elissa and Dave”. Interested in learning more about Dave or Elissa as financial planners or as avid travelers? Looking for some clarity on a financial planning topic, the markets, or your portfolio? Curious about Yeske Buie, how we operate, or our company culture?Share your curiosity with Elissa and Dave and receive an answer to the questions you’ve always wanted to ask! Simply send your question to Lauren@YeBu.com and stay tuned to future Digest posts for answers. Submissions will be anonymous and no question is off limits (answers may be, but you can ask whatever you want!). We look forward to hearing your questions!
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Meet the Team – Lauren Grove
Finish Line Nike Women's As an Assistant Financial Planner in the Vienna, VA office, Lauren works closely with the Financial Planning Team and with clients to ensure their financial planning needs are met and to help them achieve their Live Big® goals. But what does she enjoy doing in her free time? We sat down with Lauren to learn more about what she’s been up to and found out that she has had a very busy year! A true planner at heart, Lauren has been preparing for and participating in a variety of races and has spent months diligently studying for the CFP® exam which she is sitting for today and tomorrow. We are all thinking about Lauren and wish her the best of luck! Click here for pictures and more about Lauren.
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TheLiveBigWay* Digest – Secrets of a Stock Picker

TheLiveBigWay Digeston July 2nd, 2014No Comments
How to Pick Hot Stocks: Secrets of a Stock Picker
The dream of “beating the market” has persisted for as long as there have been markets to beat.  Many systems have been proposed for accomplishing this feat, ranging from technical analysis to momentum investing to the Dogs of the Dow. They all depend on the belief that there is information that can be gleaned about a stock that is not already reflected in its price and which, in turn, might be used to identify underpriced stocks that are ready to soar. In last Saturday’s Wall Street Journal Weekend Edition, meanwhile, Jason Zweig offered up two new market-beating systems that have posted impressive numbers, prompting  Yeske Buie to reveal a shameful secret and to propose a novel system of our own for besting the market. Famous Dave's stock certificate
Fifa-World-Cup-2014-Brazil-Wallpaper World Cup Fever

Despite the United States’ heart breaking loss to Belgium this week, the FIFA World Cup Tournament continues on! Whether you’re closely following the tournament or not, the World Cup fever is nearly inescapable. From bracket challenges, to economic and animal predictions, to the FIFA World Cup Sustainability Strategy, the tournament is infecting millions of people worldwide with World Cup Fever.

Elissa Receives Distinguished Adjunct Professor Award

Elissa and Dave recently attended Golden Gate University’s Adjunct Faculty Recognition Dinner where they learned that Elissa was this year’s Ageno School of Business honoree. Elissa now holds an appointment as Distinguished Adjunct Professor in Golden Gate University’s Ageno School of Business, where she and Dave co-teach the capstone Cases in Financial Planning course. See pictures from the event here.

elissa_award_WL
466987279_640 Give Big: Lost Dog & Cat Rescue Foundation

Over the weekend, the Virginia office volunteered at the Lost Dog & Cat Rescue Foundation adoption event in Alexandria, VA. The Lost Dog & Cat Rescue Foundation is a non-profit animal rescue organization saving the lives of thousands of homeless and abandoned pets each year. Our Virginia team volunteered a few hours of their time in an effort to turn homeless dogs into beloved family members.

Connect with Yeske Buie
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TheLiveBigWay* Digest – Living in the Conversation

TheLiveBigWay Digeston June 19th, 2014No Comments
Video: Take a Seat – Make a Friend?
Put two strangers in a ball pit and have them talk to each other. What can happen? Soul Pancake sought the answer to this question by setting up a makeshift ball pit on the street. See what comes of it…
Cristin’s Live Big® Trip
photo

As Operations Administrator, Cristin introduces Yeske Buie to new clients, manages our vendor relationships to ensure we are best positioned to serve our clients and also oversees the day-to-day running of the offices.

Cristin has returned back from her Live Big® trip to Seoul, South Korea. She thoroughly enjoyed her cultural immersion, especially the food tour where Cristin developed a deep love of all things kimchi and meats cooked in front of you on a tabletop grill. During her trip she maintained her GPS status (Global Positioning Sister) and learned the metro like a native within the first week. More importantly, Cristin got a chance to spend time with her family — getting a chance to go to taekwondo practice as well as soccer and t-ball games. Her nephew, Liam, is the apple of her eye, and she cannot wait to see him again. Click here for more pictures and stories from Cristin’s Live Big® adventure.

 CFP Board Competency Handbook
Elissa and Dave are hard at work on the second edition of the CFP Board Financial Planning Competency Handbook, the first ever comprehensive guide to the state of the art in financial planning. In addition to updating the 30 chapters they contributed to the first edition, Dave and Elissa are writing four new chapters devoted to the latest developments in the profession.
Live Big® Adventure 2014
Elissa and Dave are planning a Live Big Adventure for Fall of this year that will take them first to London to visit family and then on to a Mediterranean cruise that will range from Barcelona to Venice and many ports in between. Beyond the opportunity to visit Elissa’s British relatives and generally indulging Dave and Elissa’s love of travel, the trip is an opportunity for the Yeske Buie Team to gain valuable leadership experience.If you have any planning needs that will require Elissa or Dave’s particular attention, especially as we approach September, please let us know as soon as you know. As always, Dave and Elissa will be reachable if an urgent need arises but letting us know about anything you can reasonably anticipate will allow us to plan accordingly and ensure that you get everything you need.
Connect with Yeske Buie
YeBu EmailLike our Facebook Fan page for up-to-date firm news.
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The YeBu Social Media Hub offers all our posts for those not on Facebook or Twitter.

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TheLiveBigWay* Digest – Picture Perfect

TheLiveBigWay Digeston June 5th, 2014No Comments

 

Meet The “NorCal” Team
'14 NorCal YeBu WL  

Jen H., Jennifer M., Elissa, and Dave (order in photo) attended the 2014 FPA NorCal Conference held at The Palace Hotel in San Francisco, CA on May 27-28. You can expect to see posts in the coming weeks summarizing some of what we learned at the conference.Jennifer M. was on the conference committee as a Program Co-Chair and also served as a Media/Press Liaison. Dave presented on the topic, “Policy-Based Financial Planning and Behavioral Finance: Decision Architecture for a Changing World,” and Elissa represented the Foundation for Financial Planning. View pictures from the event

Give Big – SF Marin Food Bank
 

In continuing our quarterly Give Big campaign, aimed at making a difference in our local communities, Yeske Buie team members have planned or completed their second project this year. While the Vienna office outing will happen shortly and be featured in an upcoming Digest, the San Francisco office volunteered at the SF Marin Food Bank this past Tuesday during the after-work evening shift.The SF Marin Food Bank’s mission is to end hunger in San Francisco and Marin. They provide 46 million pounds of food to these two areas with more than half of it consisting of fresh produce directly from farms.  Our mission for the evening: to pack 10,000 pounds of red, yellow, and green peppers!

JH, JM, and DN WL
Yusuf and Maegan’s Professional Wedding Photos
 Yusuf and Maegan’s professional wedding photos are in! Take a look at the newlyweds…
Maegan+Yusuf_Wedding-260-Wed Party-WL Maegan+Yusuf_Wedding-593-Farewell-WL
Live Big® Adventure 2014
Elissa and Dave are planning a Live Big Adventure for Fall of this year that will take them first to London to visit family and then on to a Mediterranean cruise that will range from Barcelona to Venice and many ports in between. Beyond the opportunity to visit Elissa’s British relatives and generally indulging Dave and Elissa’s love of travel, the trip is an opportunity for the Yeske Buie Team to gain valuable leadership experience.If you have any planning needs that will require Elissa or Dave’s particular attention, especially as we approach September, please let us know as soon as you know.As always, Dave and Elissa will be reachable if an urgent need arises but letting us know about anything you can reasonably anticipate will allow us to plan accordingly and ensure that you get everything you need.
Connect with Yeske Buie
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TheLiveBigWay* Digest – All Aboard for the Long Haul

TheLiveBigWay Digeston May 22nd, 2014No Comments
Locomotive

All Aboard for the Long Haul 

The 2014 edition of Dalbar’s long-running study of mutual fund investors has been released and the results are consistent with every prior edition. Yet again, the numbers suggest that the average stock mutual fund investor tends to buy high and sell low, achieving returns that are far below the market as a whole.

If you’re going to board the investment train, you’ll do best if you commit to staying onboard for the long haul!


Meet The Team – Yusuf Abugideiri, CFP®

As a Financial Planner, Yusuf works with the Financial Planning Team to implement strategies and recommendations that help clients to achieve their Live Big® goals.

Current Update: Yusuf was married on May 10 and, after attending the second of his two sisters-in-law’s college graduations, Yusuf and new wife Maegan are currently honeymooning in Antigua.

Learn more about Yusuf and view pictures from his wedding.

YA Bio Pic - Email Large
Congratulations Yusuf and Maegan!

The new Mr. and Mrs.!

The new Mr. and Mrs.

Live Big® Adventure 2014

Elissa and Dave are planning a Live Big Adventure for Fall of this year that will take them first to London to visit family and then on to a Mediterranean cruise that will range from Barcelona to Venice and many ports in between. Beyond the opportunity to visit Elissa’s British relatives and generally indulging Dave and Elissa’s love of travel, the trip is an opportunity for the Yeske Buie Team to gain valuable leadership experience.

If you have any planning needs that will require Elissa or Dave’s particular attention, especially as we approach September, please let us know as soon as you know.

As always, Dave and Elissa will be reachable if an urgent need arises but letting us know about anything you can reasonably anticipate will allow us to plan accordingly and ensure that you get everything you need.
YeBu EmailConnect with Yeske Buie

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The YeBu Social Media Hub offers all our posts for those not on Facebook or Twitter.

 

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TheLiveBigWay* Digest – A Force to be Reckoned With

TheLiveBigWay Digeston May 8th, 2014No Comments
Your Identity: A Force to be Reckoned With 

Anxious as always to help our Clients keep their cyber-world secure, Yeske Buie is pleased to announce our new agreement with IdentityForce to provide identity protection services at a significant discount. IdentityForce, a service division of Bearak Reports, is a leading provider of proactive identity, privacy, and credit protection with over 35 years of experience. With an IdentityForce account, you will receive real time identity and credit report monitoring, instant alerts when suspicious activity is detected, reports of all your personal information that is made public on the internet, anti-keylogging and anti-phishing software to protect you against malware and phishing sites, and more. IdentityForce offers two packages.

See a comparison and sign up to save $70-$80 per year

Taste of Vienna 2014
 

Dave, Lauren, and Elissa had a great time enjoying the food and music at Taste of Vienna 2014, a benefit event for the volunteer firefighters of Vienna. The trio were wearing their new Yeske Buie polos, prompting several of the firefighters to stop and thank them for Yeske Buie’s sponsorship of the event.


Taste of Vienna - DY, LG, EB
In addition to all the tasty food, a highlight of the day was avant-garde folk rock/R&B band, Urban Scientific. While all the performers that day were terrific, Urban Scientific was by far Elissa and Dave’s favorite. If you need a band for a future event, check out Urban Scientific.
Fernando Thompson (Manager), Woodbridge, VA, 571-201-3090 nandothompson@gmail.com  http://www.reverbnation.com/urbanscientific Band Members: Nando Thompson – Guitar and Vocals, Mike Pryor – bass/backup Vox, Dana Gramling – Percussion

Live Big® Adventure 2014
 

Elissa and Dave are planning a Live Big Adventure for Fall of this year that will take them first to London to visit family and then on to a Mediterranean cruise that will range from Barcelona to Venice and many ports in between. Beyond the opportunity to visit Elissa’s British relatives and generally indulging Dave and Elissa’s love of travel, the trip is an opportunity for the Yeske Buie Team to gain valuable leadership experience.If you have any planning needs that will require Elissa or Dave’s particular attention, especially as we approach September, please let us know as soon as you know.

As always, Dave and Elissa will be reachable if an urgent need arises but letting us know about anything you can reasonably anticipate will allow us to plan accordingly and ensure that you get everything you need.


Meet The Team – Lauren Vitt

As Project Administrator, Lauren oversees a variety of internal projects to support the team and keep things running smoothly.Current Update:  Lauren has been enjoying life with an abundance of new experiences. After two years of missing the DC Cherry Blossoms, Lauren finally had the opportunity to embrace the beauty of the iconic flowers. She also toured Arlington National Cemetery for the first time with her family, learning a lot and enjoying the beautifully unique views. Her upcoming adventures include monkeying around the high ropes and zipline course at Go Ape, her first trip to Texas, and a girls trip to San Francisco!

LV Bio Pic - Email Large Learn more about Lauren
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“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