Recent Commentary

TheLiveBigWay® Digest – Tracking Trends

TheLiveBigWay® Digeston March 23rd, 2017No Comments

Cash Flow Trackers: How to Make Them Work for You

How much did you spend at the grocery store last week? What about at restaurants last month? Or on clothes this year? You probably have only a very general idea of the answers to these questions. And frankly, that’s ok. Life is often too busy to record and categorize every expense. Luckily, technology can help do all of that for you. But is such a granular analysis even worthwhile? Today, we take a look at one of the more popular cash flow tracking apps: Mint. Read on for our take on the service, and our thoughts on using cash flow trackers.

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Around the World in 60 Minutes 

The world is in a rare state of flux, with a populist, anti-trade president newly installed in the White House, and populist, anti-EU parties on the rise all across the European continent. Economic conditions in the US and abroad, meanwhile, are showing positive trends, but it’s still to be seen whether the Federal Reserve and European Central Bank can successfully walk the thin line between growth and inflation. Join us for a one hour tour of our changing world on Wednesday, April 19th at 11:00am PT / 2:00pm ET during which we’ll share our analyses and recommendations for weathering whatever may come. Registration is simple – click this link and enter your name! We hope you will also share this link with any friend, family member, or colleague who may be interested in joining us.

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March Madness: The Financial Four

The NCAA March Madness Tournament is officially underway. As fans wait to see which teams will make it to The Final Four, we’d like to share with you a bracket for The Financial Four. The National Endowment for Financial Education and the Financial Planning Association® have partnered to share an interactive ‘Financial Four’ bracket for the sixth year in a row. Rather than picking basketball teams, the bracket challenges people to prioritize the financial areas of their life that are most important to them. We encourage you to explore the 32 financial concepts and challenge your friends and family to complete their Financial Four bracket; no matter what they choose, everyone ends up a winner!

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Yeske Buie Gives Big as Guests Win Big

Always eager to support our local community, Yeske Buie was pleased to have participated in the Rotary Club of Vienna’s recent Casino Night event. As a table sponsor, Senior Financial Planner in our Vienna office, Yusuf Abugideiri, played the role of a dealer at one of the black jack tables. Cristin Etheredge, Operations Manager in our Vienna office, also supported the event by serving as the public relations co-chair. Cristin said of the event, “What makes this special is the heartfelt sense of community”. All proceeds from the event are used to strengthen the philanthropic activities of the Rotary Club locally and beyond. To share other ways that Yeske Buie Gives Big to our local communities, we offer a collection of posts related to our Give Big initiatives.

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Tax Day: April 18th, 2017

This year, Tax Day will be observed on April 18th. No, this is not a typo! As was the case last year, you will have a few extra days to file your 2016 Federal and State tax returns due to the observed holiday, Emancipation Day, a government holiday in Washington, D.C. After April 18th, we will send an email request to ask for a copy of your completed 2016 return, as we do every year. The information provided in your tax return helps us to best serve you throughout the year as we perform tax related analysis. If your return is completed in advance of the deadline, feel free to send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest – The Size of Your Life

TheLiveBigWay® Digeston March 9th, 2017No Comments

Tips to Thwart Tax Thieves

Protecting your identity and your taxes can feel like an uphill battle. Each year around this time, we like to share reminders of best practices to keep your identity safe as awareness is a key component to protecting your identity. Typically, tax season brings about a surge of attempts for scammers and identity thieves to phish for your personal information. While still significant, the number of fraudulently filed returns and those who reported tax return identity theft in 2016 was reported by the IRS to be 50% lower than in 2015. To help keep this trend on the downhill, we offer tips and resources to help you protect yourself from potential theft.

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Can Money Buy Happiness? 

Researchers are continually looking for ways to prove whether or not money can buy happiness. We recently came across an article that argues that it is possible for money to bring you happiness and reflects our belief that “It’s about the size of your life, not the size of your wallet®”. The ideas in the article are supported by a study that focuses on factors that bring and sustain happiness and suggest that spending money in more fulfilling ways to bring you closer to other people can, indeed, increase your happiness. Today, we share Kira M. Newman’s six suggestions for getting more happiness for your money.

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Save the Date: Live Webinar

We hope you will save the date and join us for our second live webinar on Wednesday, April 19th at 11:00am PT / 2:00pm ET. In our last edition of the Digest, we asked for your help in selecting the topic that we will present on in April. We received many great responses and the highest rated topic was our Investment Philosophy. If you didn’t have a chance to share your opinion with us, it’s not too late – please click this link to take the survey and give us your input. In our next Digest, we’ll reveal the webinar topic and registration link so stay tuned.

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Final Update About Your 1099

As a final update regarding the status of your Schwab 1099 form for your 2016 tax return, the delayed information from the mutual funds in Yeske Buie portfolios has been reported and Corrected 1099 forms will be required. This Corrected 1099 contains the most current information and should be used in the preparation of your taxes. Schwab will be releasing the corrected forms in batches, one of which was already sent and the other expected on March 14th. The form will be mailed to your address and posted to your Schwab Alliance account. If you are not familiar with the Schwab Alliance website, you will find simple instructions for accessing the document on our website. If you have any questions, please do not hesitate to contact us.

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Referrals are the Greatest Compliment

Clients and referral sources have often told us that they hesitate to make a referral because they don’t know if friends, relatives, or coworkers meet our minimums or would otherwise be a good fit. Our message is that we are financial planning evangelists and would like to see everyone who seeks advice find a competent, ethical financial planner. Thus, we’re happy to talk to ANYONE who is referred to us and if, for whatever reason, we find that we’re not a good fit, we will work to match them up with an experienced financial planner who is.

If you know someone who may be interested in talking with us, please ask them to contact Lauren@YeBu.com or send Lauren the individual’s name and contact information so we may connect with them to set-up an initial meeting. We thank you for the continued trust you show in us by referring your friends, family, and colleagues so that we can help them to harness their financial resources to pursue exquisite, fulfilling lives.

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TheLiveBigWay® Digest – The More You Know

TheLiveBigWay® Digeston February 22nd, 2017No Comments

Five Things to Know About Required Minimum Distributions

Last time in this space, we shared details about Yeske Buie’s process for managing required minimum distributions (RMDs) in Client accounts. Today, we’d like to share a few notes about RMD distribution timing and strategies for those anticipating distributions down the road. Read on for a list of five things to keep in mind before you’re subject to required minimum distributions.

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Assembling Your Financial First Aid Kit

We’ve talked to our Clients many times about the importance of emergency preparedness. Preparing for an emergency can take the form of kits with food, water, and supplies, plans for what you and your family will do in an emergency, or the often overlooked financial first aid kit. Having a financial first aid kit helps to ensure that the tangible pieces of your financial life are safe and easily accessible at any moment. Today, we share a comprehensive list of items to keep your financial first aid kit well-stocked for any emergency.

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Portfolio Update

As a consequence of recent economic and policy trends, we are returning to a more conservative stance with respect to our bond allocations. Recent guidance has made it clear that the Federal Reserve is committed to slowly, but consistently, stepping up the pace of interest rate increases going forward. This, combined with a modest but notable uptick in inflation, has led us to conclude that the economic environment will be biased toward steadily rising interest rates for the first time since the Great Recession. We will, of course, continue to monitor and make further adjustments as necessary in the coming months and years.

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We Want to Hear From You – Help Us Select a Subject!

In January, Yeske Buie hosted a live webinar where we shared our thoughts on the question “Will the Trump Administration be GREAT for Your Finances?” Throughout the year, we will host a series of live webinars and we hope to continue to present on topics that interest you. To help us do so, we want to hear from you! We’ve put together a brief survey listing a variety of topics for us to consider for our next webinar. If you’d like to share your thoughts with us, please click this link to take the survey.

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Important Information About Your 1099

As we continue to provide updates on the status of your Schwab 1099 form for your 2016 tax return, we’d like to inform you that your 2016 1099 form is now available. Schwab has sent a paper copy to you in the mail and has posted an electronic copy to your Schwab Alliance account. If you are not familiar with the Schwab Alliance website, you can find simple instructions for accessing the document on our website. For your awareness, it is possible that Schwab will also release a Corrected 1099 form in the coming weeks. Last year, we planned for the event of receiving corrected forms and in the end there were no changes. For this reason, we suggest that you proceed with preparing your taxes in a timely fashion, but wait to file your 2016 return until you hear from us about whether or not you will be receiving corrected 1099s. We will update you as we know more from Schwab.

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TheLiveBigWay® Digest – Sweet Talk

TheLiveBigWay® Digeston February 8th, 2017No Comments

Reviewing the Benefits: Renting and Buying

Rent or buy? It’s a question we hear and discuss often and it comes from Clients of all ages – whether it’s a newly married millennial couple looking to settle down, retirees looking to downsize or anyone in between. Like many aspects of financial planning, there is not a one-size-fits-all answer – personal desires and goals matter as much as the monetary aspect. Today, we share a review of the benefits of renting and buying for you to consider when pondering this decision.

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Fundamentals of Fixed Income Investing

When you first hear the term ‘investing’, it’s likely that ‘stocks’ is among one of the first words to come to mind. Stocks typically receive much of an investor’s attention due to their role in creating higher returns as a percentage of the entire portfolio. However, fixed income positions, or bonds, play an equally important role because of their ability to help reduce volatility that comes with investing. In an effort to give bonds the attention they deserve, today we discuss the role they play in your portfolio.

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Live Richer With Love

With Valentine’s Day upon us, we are reminded of the many ways that love and money can be intimately intertwined. From our experience, one of the best ways to keep the relationship between love and money a healthy one is through thoughtful money conversations with your sweetheart: here we share Five Ways to Have Financial Conversations with Your Sweetheart. The last suggestion in this piece, Sharing Money Memories, hopefully sparks happy memories about important money milestones in your relationship, including your big day. A recent article featured on WalletHub shared insights from Financial Planner, Lauren Grove, about financial considerations for brides and grooms-to-be – a very appropriate topic for a bride-to-be, herself!

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Required Minimum Distributions

February marks the beginning of our annual process of distributing our Clients’ Required Minimum Distributions (RMDs) from their IRAs. Now that Schwab has released their annual RMD report, the Financial Planning Team is reviewing each IRA from which an RMD is required to ensure enough cash is available for the distribution. In most cases, RMDs will be distributed by the end of the month (some Clients have already received theirs); for our Clients who use their RMD amount as their annual spending target, we’ll track the distributions throughout the year to ensure the required amount is satisfied. Learn more about RMDs and Yeske Buie’s process for managing the distributions.

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How You Will Receive Your 1099

As you begin thinking about filing your 2016 tax return, we’d like to offer a few notes about tax information for your Yeske Buie accounts. On the Tax Reports page of your Client Private Page®, you will find reports for your taxable accounts (for planning purposes only) and transaction reports for your IRA(s). To complete your tax return, please refer to your Schwab 1099 which will be sent to you in the mail and posted to your Schwab Alliance account throughout the month of February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have any questions or difficulties obtaining the form, please do not hesitate to contact us.

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TheLiveBigWay® Digest – Bucks and Benefits

TheLiveBigWay® Digeston January 26th, 2017No Comments

Market Note: Dow 20,000

The Dow closed above 20,000 for the first time on Wednesday, repeating the feat the following day. There are headlines any time the Dow crosses a 1,000 mark and that’s especially true of this latest milestone. Here’s our take.

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Will the Trump Administration be GREAT for Your Finances?

Last week, we hosted a live webinar where we offered our thoughts on the changes we expect in the coming year, how to strategically position yourself for these changes, and suggestions for cutting through the noise and focusing on the things that matter. In case you missed the webinar or if you want to hear it again, a recording is available on our website. We will be hosting several live webinars throughout the year so stay tuned to future editions of the Digest for more details!

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  Weighing Bucks and Benefits

Career related New Year’s Resolutions are among the most popular goals each year. Whether it be snagging that promotion, expanding your network, or landing a new job, there are many ways to aim to strengthen your career in 2017. Should you find yourself presented with a new job offer, there are, of course, a number of factors to consider before making a change including the pieces of the offer that do not come in the form of money. Today we offer our thoughts on the considerations you should keep in mind when weighing the bucks and benefits of your new job offer.

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Where in the World is the Live Big® Glass?

wwlbg-compressedWe are pleased to see that our Clients and friends are starting off the new year living big with their Live Big glass in hand. We have received several new photos highlighting a trip to Kenya and a honeymoon to the Southern Caribbean paradise. We hope you enjoy viewing our Live Big glass gallery including these new additions. If you have a picture showing how you Live Big with your glass, please feel free to send it to Lauren@YeBu.com and we will be sure it is added to the collection.

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Tis the Season: Tax Season, That Is

As you begin collecting your tax documents to prepare your 2016 returns, we’d like to offer a few notes about tax information for your Yeske Buie accounts. On the Tax Reports page of your Client Private Page®, you will find reports for your taxable accounts (for planning purposes only) and transaction reports for your IRA(s). To complete your tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s). Schwab has begun issuing 1099-Rs for IRAs and will continue to do so throughout the month. They will send 1099s for your taxable accounts in mid to late-February. We will continue to update you in this space about when you can expect to receive the 1099s and possible corrections to the original 1099 you receive.

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TheLiveBigWay® Digest – Resolutions

TheLiveBigWay® Digeston January 11th, 2017No Comments

  

Market Review: The Year of Living Dangerously

The markets, which is to say investors, hate surprises, though that’s pretty much all we get day-by-day. It’s called news.  But some years carry bigger surprises than others and 2016 surely falls into that category. From economics to markets to politics, 2016 provided one plot twist after another. As far as markets are concerned, the year ended well, notwithstanding a bit of a roller coaster ride along the way. Herewith, we offer a brief recap of what happened in the economy, the markets, and your portfolio, with a nod to the year to come.

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 New Year’s Financial Resolutions

2017 is now in full-swing, and most of you probably have your New Year’s resolutions already picked out. For those who are still coming up with 2017 goals, or who want to add some more, we’ve compiled a list of Financial Resolutions to adopt this year.

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A High Degree of Congratulations

Yeske Buie is pleased to share that Yusuf Abugideiri, Senior Financial Planner in our Vienna office, has earned his Master’s in Economics from George Mason University.  From the program, Yusuf gained a better understanding of how the economic way of thinking plays out in the decision-making process at the individual level and also developed a further appreciation for the grounded, evidence-based approach Yeske Buie takes in helping our Clients make good financial decisions. See what three words Yusuf shared to describe the feeling of graduation and his plan for his newfound free time post-graduation.

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Will the Trump Administration be GREAT for Your Finances?   

We invite you to join us on Wednesday, January 18th at 11:00am PT / 2:00pm ET for a free live webinar hosted by Dr. Dave Yeske where we will review the new landscape of the incoming administration. The webinar will also address the actions you can take now to build more resilience into your financial affairs, strategies for dealing with rising interest rates, how to plan for coming changes in the tax and estate laws, and more. Click here to register for the webinar and feel free to share this link with any friend, family member, or colleague who may find this seminar valuable.

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Reminder: Affordable Care Act Open Enrollment Ends January 31st  

The deadline to sign up for health insurance coverage for 2017 under the Affordable Care Act is January 31, 2017. After January 31st, you may only apply for insurance if you qualify for a special enrollment period. You can apply for coverage four different ways: online, over the phone, in-person with assistance from trained people in your community, or by mailing a paper application. With this deadline nearing, we offer a quick guide to the insurance marketplace to help you learn more about enrollment, potential savings, picking a plan and more.

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TheLiveBigWay® Digest – Best of 2016

TheLiveBigWay® Digeston December 29th, 2016No Comments
 

This being the last business day of the year, we thought we’d reflect on some of the best pieces from TheLiveBigWay® Digest in 2016. In this edition of the Digest, we offer a list of the most popular post in each category. We’ve also assembled a more extensive list highlighting the top five posts in each category here: The Best of 2016.

We wish you and yours a happy and prosperous New Year!

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Top Economy and Investing Post: About Last Night

Whatever your politics, it has been clear in recent weeks and months that the prospect of a Trump presidency held enough uncertainty to make investors and world leaders alike more than a little nervous. No one likes uncertainty.

So here we are, asking ourselves what’s next?

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Top Financial Planning Post: A Practical Approach to Cash Flow Complexities

When life happens, the financial aspects of figuring out what to do next can make taking that next step an overwhelming task. Using policies to manage cash flow on an ongoing basis removes the budgetary uncertainties and clarifies the financial ripple effects of a given alternative, helping our Clients make decisions using the constraint that matters most: their values. Read on to learn how Yeske Buie uses grounded policies when creating financial plans for our Clients.

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Top Millennial Post: The 411 on 2FA

With the growing number of websites with whom we share our personal information, it is vital to take extra caution in keeping your personal information safe. Two factor authentication – commonly referred to as 2FA – can drastically reduce the risk of online identity theft by requiring two means of identification to access an online account. Learn more about the benefits of 2FA and how you can set-up two factor authentication on your personal accounts.

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Top Firm News and Events Post:

Elissa Buie Named Top Wealth Advisor by Washingtonian Magazine

Yeske Buie is pleased to share that Elissa 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. Elissa has appeared on all five of Washingtonian’s previous lists of top financial planners. Read on for Elissa’s thoughts on the recognition and to learn more about the listing.

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Top Fun Stuff Post: Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDSince starting our Where in the World is the Live Big® Glass? campaign in 2015, we have received more than sixty photos from Clients, family, and friends who Live Big at home and abroad. One of our favorite reflections with these pictures is how each one embodies Live Big in a different way. In fact, we were so inspired by all of the photos that we featured a collage of over a dozen Live Big glass photos on our holiday card this year! You can see the full gallery of photos on our website and we encourage you to share you pictures with us as you ring in the New Year.

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TheLiveBigWay® Digest – What Matters Most

TheLiveBigWay® Digeston December 14th, 2016No Comments

Millennials and Money: Starting the Conversation is What Matters Most

At an estimated population of 82 million, millennials make up the largest generation in America. Born between 1980 and 1995, members of this cohort have often found themselves to be the subject of everything from think-pieces to scholarly articles in recent years. While many labels have been attached to millennials by the media, we’ll use this space to focus on how they can use their greatest asset – time – to set themselves up for success as their financial plan unfolds.

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Hard at Work: Your Financial Planning “Elves”

In addition to the natural hustle and bustle of the holiday season at the end of every year, Yeske Buie’s Financial Planning Team is hard at work like Santa’s elves ensuring our Clients’ financial needs are neatly wrapped heading into the New Year. This year, we are placing a special focus on Clients’ tax needs as we recognize the potential for changes in tax laws with the incoming administration. Attention is also given to Clients’ retirement accounts, charitable contributions, tax reports, portfolio reports, and more. Elissa describes more of Yeske Buie’s behind the scenes work in response to a question shared in our Ask Elissa and Dave feature.

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Save the Date: Live Webinar with Dr. Dave Yeske

As Inauguration Day nears, the following questions may be on your mind. What impact will the new administration’s proposals have on the economy and the markets? How will rising interest and inflation rates impact your finances? What will happen to markets outside the US? And what about Social Security and Medicare? We invite you to join us on Wednesday, January 18th at 11:00am PT / 2:00pm ET as Dr. Dave Yeske hosts a free live webinar where you will learn:

  • What actions to take now to build more resilience into your financial affairs.
  • Strategies for dealing with rising interest rates.
  • How to plan for coming changes in the tax and estate laws, and more!

Register for the webinar today using the link below and if you have any friends, family, or colleagues who may find this seminar valuable, please feel free to share the link with them!

Will the Trump Administration be GREAT for your Finances?

 

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Season of Giving

Yeske Buie has a worldview to Give Big and everyone on our team embodies Give Big in their own unique capacity – volunteering with charitable organizations, giving back to the Financial Planning profession and more. Inspired by the season of giving, we share two recent Give Big experiences from our team. Cristin Etheredge recently volunteered with the Rotary Club of Vienna for their 18th Annual Ethics Day event. Additionally, Elissa and Dave generously invited the team to select a handful of toys to be donated to the San Francisco Firefighters Toy Program. See what impacted Cristin the most about her Ethics Day experience and how the team feels about supporting organizations like these around the holidays.

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Tis the Season: Light of Gold

5Beginning last year, Elissa and Dave became involved with Cappella SF, an exceptional acappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We recognize that by no means does everyone celebrate the Christmas Holiday, but with admiration for their talent, Yeske Buie sponsored Capella SF’s first holiday CD last year, “Light of Gold: Cappella SF Christmas”, which features Christmas songs from around the world and across the centuries.

To anyone who is interested, we would like to offer you a copy of this CD; simply email Mila@YeBu.com and she will promptly ship a CD to your home. This link to a sample of Light of Gold will give you a taste of what this CD has in store for you. And, for those of you who still have their copy of the CD from last year, we hope you will enjoy the music again this season, and feel free to ask us for a copy for a friend or family member. Happy Holidays!

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TheLiveBigWay® Digest – Opportunity and Unity

TheLiveBigWay® Digeston December 1st, 2016No Comments

Capitalizing on Catch Up Contributions

50th-anniversaryWhile the celebration of one’s 50th birthday may include unwanted over the hill gifts, one “gift” that you can look forward to receiving is the eligibility for catch-up contributions to your retirement accounts. We recommend that you take advantage of this ability and contribute the maximum, including the catch-up, wherever possible. As part of our processes at Yeske Buie, we review all eligible Clients and we will contact you individually if this recommendation applies to you. For more information regarding your retirement accounts, we encourage you to read How Well Do You Know Your 401(k) Plan? and Brushing Up on the Facts: Roths IRAs.

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The Health Insurance Marketplace

doctor-tablet-computer-open-enrollmentOpen enrollment to sign up for health insurance coverage for 2017 under the Affordable Care Act is currently open and continues through January 31, 2017. For those looking to have coverage beginning on January 1st, however, the deadline for enrollment is December 15, 2016. If you are currently enrolled for coverage, you are encouraged to log in and update your information by the December 15th deadline to ensure no disruption of coverage. With these deadlines nearing, we offer a quick guide to the insurance marketplace to help you learn more about enrollment, potential savings, picking a plan and more.

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Yeske Buie’s Staff Retreat: Storytelling, Visioning, and Focusing

group-photoJust before the Thanksgiving Holiday, the entire Yeske Buie team came together in San Francisco for an inspiring staff retreat. While the retreat serves as a great opportunity to step away from the day to day office routine, the team spends each day working on various exercises related to personal, professional, and company growth. The themes of this year’s retreat included storytelling, focusing on “just one thing”, and visioning for the firm. Powerful learnings and appreciations were had by the entire team during this retreat, and we share quotes and pictures highlighting the most impactful moments.

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An Accomplishment Deserving Acknowledgment

Bennedsen_9665Yeske Buie would like to recognize Zachary Bennedsen for his recent success in passing the CFP® Exam! Zach dedicated hundreds of hours to studying for the exam, beginning his preparation in August and supplementing his book work with an intensive live review course in October. After having some time to reflect on his success, Zach said, “It feels great to have the weight of studying off my shoulders, and I am excited to have reached this milestone”. Read on to learn about what it takes to earn the CFP® Certification and what milestones Zach will be pursuing next.

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Tis the Season: Light of Gold

5Beginning last year, Elissa and Dave became involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We recognize that by no means does everyone celebrate the Christmas Holiday, but with admiration for their talent, Yeske Buie sponsored Capella SF’s first holiday CD last year, “Light of Gold: Cappella SF Christmas”, which features Christmas songs from around the world and across the centuries.

To anyone who is interested, we would like to offer you a copy of this CD; simply email Lauren@YeBu.com and she will promptly ship a CD to your home. This link to a sample of Light of Gold will give you a taste of what this CD has in store for you. And, for those of you still have their copy of the CD from last year, we hope you will enjoy the music again this season, and feel free to ask us for a copy for a friend or family member. Happy Holidays!

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TheLiveBigWay® Digest – Looking Ahead

TheLiveBigWay® Digeston November 17th, 2016No Comments

In Case You Missed It: About Last Night

2016-paper-peopleIn most of the ways that matter to your finances, the world looks the same following the Presidential election. So here we are, asking ourselves what’s next? We suggest that you hold fast to this: the resilience that’s built into your financial plan and your portfolio will continue to serve you. After all, the whole point of having investment policies is to make it easier to know what to do when it’s hard to know what to do. Like now. So, be of good cheer, remember to breathe, and, in the meanwhile, enjoy two of our all-time favorite videos: Stand By Me and Perhaps The Most Beautiful Flash Mob Ever.

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YYeske Buie in the Media:

A New President and Fiduciary: What Happens Next?

2016-white-houseWe have shared in this space before Yeske Buie’s thoughts on the Department of Labor’s ruling to broaden the definition of fiduciary investment advice and how and why Elissa and Dave have been promoting the fiduciary standard. With President Obama being a supporter of the fiduciary rule, many are questioning whether or not the ruling will be challenged with a new President coming into office. Dave and other professionals shared their thoughts on this concern with Ann Marsh, Senior Editor of Financial Planning Magazine: read on to learn why Dave does not think the ruling will be changed.

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Cheers to Investing  

Holiday turkeyIn what seems like the blink of an eye, the holidays are upon us. ‘Tis the season for thankful reflection, time with loved ones, plenty of food, and perhaps a bottle of good wine. Recently, our strategic partners at Dimensional Fund Advisors (DFA) shared with us a playful comparison between the process of making wine and investment management. We hope you enjoy this unique piece and think of this comparison as you say “cheers!” this holiday season.

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Illuminating the Family Tree

2016-11-11-family-treeWhen meeting with Clients, we sometimes explore their personal history by asking questions about what is most important to them. What we learn is always focused on the important people in their lives, the memories they hope to leave their loved ones, and the values they hope to impart. As the holiday season can be a great time to reflect and appreciate those we love, we thought we would share our loved ones with you by way of our family trees. We hope you enjoy climbing our family trees and we encourage you to use the blank template to share your family tree with us!

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Referrals are the Greatest Compliment

Clients and referral sources have often told us that they hesitate to make a referral because they don’t know if friends, relatives, or coworkers meet our minimums or would otherwise be a good fit. Our message is that we are financial planning evangelists and would like to see everyone who seeks advice find a competent, ethical financial planner. Thus, we’re happy to talk to ANYONE who is referred to us and if, for whatever reason, we find that we’re not a good fit, we will work to match them up with an experienced financial planner who is.

If you know someone who may be interested in talking with us, please ask them to contact Lauren@YeBu.com or send Lauren the individual’s name and contact information so we may connect with them to set-up an initial meeting. We thank you for the continued trust you show in us by referring your friends, family, and colleagues so that we can help them to harness their financial resources to pursue exquisite, fulfilling lives.

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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