Recent Commentary

TheLiveBigWay® Digest – Parallel Philosophies

TheLiveBigWay® Digeston December 3rd, 2015No Comments
How Well Do You Know Your 401(k) Plan?

401k PiggyA quick search on our website for the word “Retirement” will populate eleven pages of articles ranging in topic from how to retire early, to Social Security, required minimum distributions, budgeting, Roth accounts, and more. Needless to say, retirement is and always will be a hot topic. Today, we share ten unique advantages of a 401(k) plan including company matches, plan loans, and the ability to take penalty-free distributions before age 591/2. Read on to test how well you know your plan.

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Elissa Buie Named to 2015 InvestmentNews 20 Women to Watch

Elissa Standing ShotInvestmentNews has named Elissa Buie to its inaugural Women to Watch list for 2015. Distinctively, this list is not about assets under management, titles, or compensation. Rather, it’s purpose is to recognize women who are distinguished, innovative leaders who are driven and willing to share their knowledge and experiences with other women. InvestmentNews received over 400 nominations to form a list that was then shaved down to recognize just 20 honorees. See Elissa’s profile in the listing and watch a short video featuring Elissa explaining why financial planning is a great profession for women.

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Can You Predict a Good Time to Buy and Sell Stocks?

Business hand holder hot chartOver the past year, we have shared a variety of videos from strategic partner Dimensional Fund Advisors as we feel they provide important insights into Dimensional’s way of thinking and highlight the similarities between Dimensional and Yeske Buie. To continue illustrating our connection, we share a video that features Dimensional’s Vice President of Research, James Davis, PhD explaining the theory of Mean Reversion. To test the existence of Mean Reversion, Davis conducted an experiment across 15 different stock markets and and came to a conclusion that answers the question, Can You Predict a Good Time to Buy and Sell Stocks? Watch the short video here and see how Dimensional and Yeske Buie agree on this theory.

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Meet the Team – and Congratulate! – Camille Bouvet

Camille HeadshotYeske Buie is pleased to announce that Camille Bouvet, Financial Planning Resident in our San Francisco office, has passed the CFP® Exam. The CFP® Exam is one of three steps required to earn the CERTIFIED FINANCIAL PLANNERTM designation. Amidst our excitement of Camille’s accomplishment, we thought it would be fitting to share more about Camille in our most recent edition of Meet the Team. In this edition, we learn more about Camille’s professional and personal life interests, her goals as a Financial Planning Resident, and one of her Live Big® goals.

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Tis the Season: Yeske Buie Sponsors Cappella SF Holiday CD

0dewajfs.j31As we like to say every April, “It will be time to start planning your Thanksgiving Dinner before you know it.” In what seems like the blink of an eye, the holidays are upon us and tis the season for delicious meals, time with family and friends, and holiday tunes. Elissa and Dave have become 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 has sponsored Cappella SF’s first CD, “Light of Gold: Cappella SF Christmas”, which features both traditional and exclusive Christmas music, and we would like to offer a copy of this CD to anyone interested. If you would like a copy, please 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. Happy Holidays!

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TheLiveBigWay® Digest – Trailblazers

TheLiveBigWay® Digeston November 19th, 2015No Comments
Tapping into the Equity of Your Home

House on Pile of MoneyWhen looking to utilize the equity that you have built in your home, there are two types of home equity loans to choose from. While similar, these two types of low-interest funding have different advantages for financing projects with a large price tag or for providing an extra financial boost to meet some of your life goals. Today, we share some of the advantages of and the differences between a Home Equity Line of Credit and a Home Equity Loan and some considerations for determining when this may be a good financing option for you.

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Winner of the Schwab IMPACT Trailblazer AwardTM 2015

TrailblazersYeske Buie is excited to announce that we have been selected as the 2015 winner of the prestigious Schwab IMPACT Trailblazer AwardTM. The Trailblazer Award honors a firm for its dedication to helping the industry as a whole reach new heights through focused initiatives and the passionate commitment to service excellence. The entire Yeske Buie team was in attendance for the award ceremony in Boston last week, as we believe it is the efforts of the team as a whole that earned us the recognition. We hope you enjoy the following video highlighting our team and read on to learn more about the initiatives that distinguish us as Trailblazers.

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Give Big: No Strings Attached

JH and an attendeeSeveral members of our Financial Planning team in San Francisco recently participated in Financial Planning Day, an event that allows the public to meet one-on-one with dozens of highly qualified CFP® professionals to receive free, no strings-attached financial advice. This year, the event drew an incredible 340 attendees who were assisted by 44 CFP® volunteers. Our very own Jennifer Hicks has attended five Financial Planning Day events in San Francisco and served as the chairwoman of this year’s event. Read on to see why Jen feels Financial Planning Day is so important and for impactful stories from our other volunteers.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDToday, we share two new photos of the Live Big Glass that are each quite spectacular and added another colored state and country to our maps. In the first photo, the Live Big glass traveled nearly 16,000 miles plus 30 feet under water for an incredible shot beneath the Bligh Waters of Fiji. The second was taken at The Fairbanks House in Dedham, MA. The home is special to one of our Resident Financial Planners, Cody Daniels, as his 9th great grandfather built the home around 1636. If you have a picture you’d like to share, please send it to Lauren@YeBu.com who will ensure it is included in our gallery. We look forward to seeing how you Live Big with your glass in hand!

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Tis the Season: Yeske Buie Sponsors Cappella SF Holiday CD

0dewajfs.j31As we like to say every April, “It will be time to start planning your Thanksgiving Dinner before you know it.” In what seems like the blink of an eye, the holidays are upon us and tis the season for delicious meals, time with family and friends, and holiday tunes. Elissa and Dave have become 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 has sponsored Cappella SF’s first CD, “Light of Gold: Cappella SF Christmas”, which features both traditional and exclusive Christmas music, and we would like to offer a copy of this CD to anyone interested. If you would like a copy, please 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. Happy Holidays!

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TheLiveBigWay® Digest – Think Big

TheLiveBigWay® Digeston November 5th, 2015No Comments
Behavioral Finance and Decision Architecture

Decision ArchetictureWhen it comes to financial planning, it can be difficult to stay on the straight and narrow planning path. In the midst of a rapidly changing world, well crafted financial planning policies can serve both planners and their Clients by acting as a powerful touchstone. As experts in the field, Elissa and Dave have made countless contributions and dozens of presentations on the topic of Policy-Based Financial Planning. Next week FPA of San Francisco’s chapter meeting, Dave will be teaming up with Terry Odean, a noted expert in behavioral finance, to discuss the importance of behavioral finance and how to help Clients make good financial decisions. Professor Odean will demonstrate psychological decision biases with interactive exercises and Dave will translate theory into practice with actionable decision framework. We encourage you to read more about Policy-Based Financial Planning and how decision architecture helps to build better choices.

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Facetious Financial News

Press and MediaFor nearly a decade, Elissa and Dave have been defining the characteristics of an ideal financial planning policy to help anchor Clients to a consistent course of action despite changes in external circumstances. Their work in this field has become increasingly important for many reasons, but especially when considering the steady stream of news and gossip that inundates today’s world and threatens to move Clients off course. With financial news, or what we prefer to call financial noise, in a current lull, we wanted to share a satirical video that we feel is the epitome of all financial noise. We encourage you to watch the humorous segment titled “Every TV News Report on the Economy in One” for a good laugh today, and to keep it as a distraction whenever “the numbers” begin to feel scary.

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Yeske Buie’s BIGGEST Company Retreat

IMG_6073The Yeske Buie team gathered in San Francisco last week for our biggest semi-annual retreat to date. We recognize this as our biggest retreat not only because of the size of our staff, but also because of our retreat work. This year, the team focused on solidifying Yeske Buie’s worldviews and core beliefs which resulted in the formation of what we call, the BIGs. Learn more about the BIGs and see pictures from our week together in San Francisco.

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Taking Advantage of Catch-Up Contributions

Birthday cake with lit candlesAre you turning 50 in 2016 and currently working? Or have you recently turned 50? If so, this message applies to you. First of all, Happy Birthday and cheers to your youthful wisdom! In the year you turn 50, you become eligible for catch-up contributions to your retirement accounts. We recommend you take advantage of this ability and contribute the maximum, including the catch-up, wherever possible. For a 401(k) or 403(b), the maximum deferral amount is $18,000 (plus $6,000 if you are 50 or older). For IRAs, the maximum deferral amount is $5,500 (plus $1,000 if you are 50 or older). We will be reaching out individually if this recommendation applies to you, but we encourage you to pass along this information to your friends who may not receive the recommendation otherwise.

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Cappella SF Concert: Songs for the Earth

Cappella SF no borderA very exciting concert is coming up this Saturday, November 7th at 7:00pm at Mission Dolores Basilica in San Francisco – a collaboration between Cappella SF and the environmental group Food and Water Watch. Elissa and Dave will be attending the concert to listen to Ragnar Bohlin, artistic director of Cappella SF and Grammy-winning Chorus Director of San Francisco Symphony, lead a singular collection of 24 of the Bay Area’s finest choral musicians in a program of beautiful a cappella music and spoken reflections. Yeske Buie will also be sponsoring a recording of the holiday concert later in November which we will have available upon request during the holiday season. For tickets and information about the concert, please visit their website.

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TheLiveBigWay® Digest – Present Value

TheLiveBigWay® Digeston October 22nd, 20151 Comment
The Present Value of Mindfulness

Tibetan TingshasWhile globalization and technological advancement have afforded us unprecedented levels of connectivity and opportunity, the potential downside to this level of accessibility is the uncountable number of forces competing for our attention at any given moment. Fortunately, there is a simple way to help make sure we are operating at our best, with the mental and emotional clarity to excel at our work and live fulfilled lives. As the Yeske Buie team prepares for our semi-annual staff retreat in San Francisco next week, we were inspired to share our thoughts on Mindfulness as we have learned and experienced that resting in awareness is one of the most powerful means to ensure we are effectively serving other members of the team and most importantly, our Clients.

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Dimensional Stories: Know the Animal

Spanish Congress, MadridCreative is not a word that always comes to mind when you think of wealth management. But at Yeske Buie, our firm, our culture, and our Client relationships are built around our talent for thinking creatively to help our Clients recognize their unique needs, goals, and opportunities. Furthermore, we believe in creative strategies that are executed with the grounded wisdom that comes from taking an evidence-based approach to everything we do. With this in mind, we share another short video from Dimensional Fund Advisor’s (DFA) Dimensional Stories series titled, “Know the Animal”, in which David Booth and Eugene Fama discuss how Dimesnional’s approach encourages investors to have a well-grounded perspective of markets.

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Meet the Team: Cody Daniels

Cody DanielsCody Daniels joins the Yeske Buie team in June as a Financial Planning Resident. Cody earned a Master of Science degree in Personal Financial Planning in May 2015 from Kansas State University’s CFP® Board Registered Program. Cody has a passion for financial planning and helping individuals and families achieve their personal financial goals. Cody traveled with his wife from Idaho Falls to San Francisco, and is focused on expanding his financial planning knowledge through Yeske Buie’s Financial Planning Resident Program. In this edition of Meet the Team, Cody sheds some light on his passion for Financial Planning and his goals during his time at Yeske Buie.

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Yeske Buie Fall 2015 Open House in San Francisco – Next Week!

pizap.com14441430764161We hope to see you next week at our our Open House in San Francisco on Thursday, October 29th from 4:30 – 6:30pm. This year’s event will feature several of Elissa and Dave’s favorite wines, a processional cellist, Yeske Buie Live Big glasses, and delicious appetizers and sweet treats from local company, JJardine. Read more about the featured wines, the menu, the entertainment and more! Please send your RSVP to Cristin@YeBu.com.

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Cappella SF Concert: Songs for the Earth

Cappella SF no borderA very exciting concert is coming up on November 7th at 7:00pm at Mission Dolores Basilica in San Francisco – a collaboration between Cappella SF and the environmental group Food and Water Watch. Elissa and Dave will be attending the concert to listen to Ragnar Bohlin, artistic director of Cappella SF and Grammy-winning Chorus Director of San Francisco Symphony, lead a singular collection of 24 of the Bay Area’s finest choral musicians in a program of beautiful a cappella music and spoken reflections. Yeske Buie will also be sponsoring a recording of the holiday concert later in November which we will have available upon request during the holiday season. For tickets and information about the concert, please visit their website.

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TheLiveBigWay® Digest – Nixing the Knowledge Gap

TheLiveBigWay® Digeston October 8th, 2015No Comments
Social Security: Nixing the Knowledge Gap

Social Security CardIt is estimated that Social Security has 2,728 different rules and that there are more than 8,000 claiming strategies for married couples alone. As these staggering numbers suggest, Social Security is a complicated topic. As a result, there is often a knowledge gap for hopeful retirees which may have a bigger impact than they would believe to be true. Last week, AARP and the Financial Planning Association (FPA) released the results of a survey conducted to discover what pre-retirees do and don’t know about Social Security. In this piece, we share  various media outlets that have captured Dave’s thoughts on the issue as well as Yeske Buie’s process for helping our Clients determine the best claiming strategy for their needs.

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A Careful Review of Your Credit Report

Credit ReportReady or not, the Holiday Season is just around the corner and ‘Tis the Season’ of giving and receiving. For some, however, tis simply the final Season of taking your personal information. During the holidays, you may be more susceptible to identity theft for a variety of reasons including increased use of your credit cards, more crowds that allow pickpockets to hide, and online shopping on ‘bargain’ sites you may not normally use. With that said, one way you can help keep yourself safe from the holiday grinches is to monitor your credit report regularly for early detection of identity fraud. Today, we offer tips and information on how to obtain, review, and correct your credit report so you have one less thing to worry about this holiday season.

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Give Big: Yeske Buie’s Efforts Continue to Impact Local Communities

LV CE LG DW VH KC Group Photo 3As we’ve shared before, one of Yeske Buie’s defined core values is our desire to willingly and selflessly share our time, our intellect, and our resources. Accordingly, the team volunteers on a quarterly basis, at minimum, as part of our Give Big initiative to make a difference in our local communities. As time has passed, both teams have identified their favorite organizations on their respective coasts and the team’s most recent Give Big efforts took them back to these organizations: Food for Others in Virginia and SF-Marin Food Bank in San Francisco. We share pictures of our teams in action and provide more information about these special organizations.

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Yeske Buie Fall 2015 Open House in San Francisco

pizap.com14441430764161We hope you will join the Yeske Buie Team from both offices for our Open House in San Francisco on Thursday, October 29th from 4:30 – 6:30pm. This year’s event will feature several of Elissa and Dave’s favorite wines, a processional cellist, Yeske Buie Live Big wine glasses, and delicious appetizers and sweet treats from local company, JJardine. Read more about the featured wines, the menu, the entertainment and more! Please send your RSVP to Cristin@YeBu.com.

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Tax Planning and Deadlines

Tax Label on FileIf you chose to file for an extension for your 2014 taxes, the deadline for completing your return is next Thursday, October 15th. We would appreciate receiving a copy of your 2014 Federal and State returns to help us better serve you throughout the rest of the year. Exactly how the information is used varies from Client to Client, but we are best able to perform tax related analysis with you most current tax return. You may send the document to us using any of the methods described here.

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TheLiveBigWay® Digest – Keeping It Simple

TheLiveBigWay® Digeston September 24th, 2015No Comments
Who WILL You TRUST with Your Estate?

Last Will and TestamentPeople often wonder when it is appropriate to begin organizing their estate. When it comes to estate planning, there are several strategies to choose from to ensure your assets are distributed according to your wishes and in a timely fashion. Just as there isn’t a cookie cutter financial plan, the same could be said of your estate plan; the right strategy depends on your individual circumstances. For some, a trust can be a useful and practical tool. For others, it may be more than is necessary and a will would suffice. The question then becomes what is a trust, how does it differ from a will, and when do I need to start preparing my estate plan? In this piece, we will outline the differences between the two tools and several trigger events that can signal it may be time to organize your estate.

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Employee Stock Options: Simplified

Stock Certificates and Dollar BillsChances are you have had stock options at one point or another or know someone who has. The term ‘stock options’ refers to company stock incentives offered to company employees. The stock incentives may come in many different shapes and sizes but most basically, stock options grant the employee the right to purchase a certain number of company stock shares at a certain price on a certain date. If the company’s stock price increases, the employee’s options are worth more and, thus, the employee is incentivized to help the company continue to grow. Here we’ll explore two of the most common forms of stock options and their main differences. Read on to learn more about the basics of Incentive Stock Options (ISOs) and Non-Qualified Stock Options (NQSOs).

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YeBu in the Media: Pamplin Creates Board Calling on Younger Alumni

Student in the Bachelor capIn June, we announced that Yusuf Abugideiri, Financial Planner in our Virginia office, was named co-chair of the Recent Alumni Board of the Pamplin College of Business. Yusuf will serve a three year term as co-chair with the Board and will have responsibilities including supporting current students in finding post-undergraduate careers, developing and strengthening relationships with recent alumni, and advocating for the Pamplin College to increase awareness with employers and potential students. Recently, Yusuf spoke with a correspondent with Virginia Tech’s Collegiate Times about the Board’s long-term initiatives and early mentoring efforts that will help shape the impact of the Board. Read on for Yusuf’s thoughts on his role with the Board and for information on the Board’s next big event.

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Yeske Buie Intern Experiences the Pope in DC

KC- Pope 5Kyle Covington, Financial Planning Intern working in our Virginia office, had the opportunity to see the Pope this week during his visit to Washington, D.C. Despite an early morning (Kyle arrived at the White House at 4:00am to allow plenty of time to get through security), Kyle greatly enjoyed the opportunity and described the Live Big experience as such; “Today, I had the ability to watch history happen. Standing on the South Lawn of the White House, the leader of the Catholic Church addressed the USA with a mission to learn the hopes and dreams of the American people. It was amazing to see how 11,000 people came together to welcome this individual, not counting the tens of thousands that lined the parade route outside the gates. While we certainly came from many walks of life, everyone was willing to hear Francis’ message – something not always seen in today’s culture.”

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Yeske Buie Fall 2015 Open House: Save the Date!

Smiling Staff at Western Town Cropped AgainWe hope you will join the Yeske Buie Team from both offices for our Open House in our San Francisco, CA office on Thursday, October 29th from 4:30pm to 6:30pm. The event will be catered by JJardine Catering and will feature entertainment provided by Bay Area Strings. Stay turned to future Digests for more details!

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TheLiveBigWay® Digest – Competing Desires

TheLiveBigWay® Digeston September 11th, 2015No Comments

Remember

Saving for Competing Desires: Your Child’s Education vs. Your Retirement

Origami Up and Down ArrowsAs the cost of college continues to rise, so do questions and concerns about how and how much to save without forgetting about our own retirement. Today we share our thoughts on the pros and cons of 529 plans and the various conditions you may take into consideration when deciding on the best method for saving for your child’s education. In this piece, we explore how splitting your child’s education savings between a 529 plan and other investment vehicles allows you to still save enough for your children without losing flexibility of using the funds for your retirement or other goals.

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YeBu in the Media: “The Boom for Alts Training is Here”

Saplings growing from coinsA recent article by Miriam Rozen on Financial-Planning.com  asserts that alternative investments are rapidly becoming of more interest to advisors. As a result of the booming interest, Rozen explains that  many advisors are committing to lengthy training programs to efficiently educate themselves and their Clients on the details of the investments. Dave contributed his thoughts for the article noting several reasons why Yeske Buie is skeptical about alternative investment products. Read on for Dave’s contributions and the full article.

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Changes to Schwab Cash Features: Be on the Lookout

The glass wall with the inscription BankThis Fall, Schwab is making some changes to expand the eligibility for their Schwab Bank Sweep feature. To preface, this change does not require any action on your part; our purpose in  sharing this information is so you can be aware of the changes and the communication you can expect to receive from Schwab. For more detail, the previous policy allowed only new accounts opened after October 1, 2014 with a household balance of less than $500,000 to be eligible for automatic enrollment in the Schwab Bank Sweep feature. The current change will expand the eligibility of this feature to include all accounts opened prior to October 1, 2014. Accordingly, Schwab will make this change for all applicable Yeske Buie accounts. If the change affects your accounts, you will receive a confirmation letter from Schwab otherwise, you will not receive anything from Schwab regarding this matter. As always, please do not hesitate to contact us if you have any questions!

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Insights from FPA Far West Round-Up

DY Intro Session - CopyAs noted in our last edition of TheLiveBigWay® Digest, The Yeske Buie Financial Planning Team attended FPA’s annual Far West Round-Up Conference in August. The team has been attending this informal, retreat-style gathering of financial planners for several years with Dave serving his sixth term as Sheriff. The intimate environment creates a comfortable space for dedicated practitioners to engage in thought-provoking discussion and invite guests to speak to the energetic group. Today we share a brief summary of the various speaker sessions and a few of the quality insights the team gleaned from this unique conference.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDAs Labor Day weekend and back-to-school signs hint that summer is coming to an end, our summer campaign to show off the Live Big glass in the United States and around the world also comes to an end. We are so pleased to have received your pictures and to see that so many of you spent your summer Living Big. Today, in addition to two new pictures, we share two maps highlighting all of the countries and states where the Live Big glass traveled this summer. We hope you will continue to send your pictures to Lauren@YeBu.com and we will provide occasional updates as the Live Big glass continues to travel domestically and internationally.

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TheLiveBigWay® Digest – Stone Foundations and Family Trees

TheLiveBigWay® Digeston August 27th, 2015No Comments
WSJ: Five Bedrock Principles for Investors

IStone Columnsn a recent article in the Wall Street Journal Five Bedrock Principles for Investors, Morgan Housel reviewed five principles investors can use to maximize the long-term returns from their portfolios. Given the volatility of the markets over the past year, we thought a review of these principles would serve as a timely reminder that “most of what matters in investing involves bedrock principles, not current events.” Read on for a detailed list of each principle and to see how Yeske Buie’s investment philosophy aligns with Housel’s principles.

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Dimensional Stories: Things Really Add Up Over Time

An Hour GlassThe last video of the Dimensional Stories series features David Booth describing how Dimensional looks for ways to add value at every step of the investment process. As has so often been the case, we find this video to be particularly congruent with our approach and philosophy. At Yeske Buie, we too believe that, in the long run, small differences really do “add up” and this belief guides us as we seek new ways to add value. We encourage you to read on for examples of some of our value add initiatives and to see how the values highlighted in this video align across the two firms.

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Climbing the Family Tree

Family DesignWhen meeting with Clients, we sometimes explore their personal history by asking questions about childhood money memories. What we learn is always focused on the important people in their lives and almost invariably, it is about far more than money, encompassing also the memories they hope to eave their loved ones and the values they hope to impart. All of which makes us think about our own families and the legacy we have received and hope to bequeath. Today, in light of our reflection, we share the family trees from a variety of our team members. Despite having a “template”, it’s interesting to note that no two trees look alike. 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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The Financial Planning Team Enjoy FPA Far West Round Up

Financial Planning TeamThe Yeske Buie Financial Planning Team attended the 2015 Far West Round-Up Conference on the UC Santa Cruz campus from Thursday August 13 to Sunday August 16. The team has been attending this informal, retreat-style gathering of financial planners for several years now with Dave serving his sixth term as Sheriff. The intimate environment creates a comfortable space for dedicated practitioners to engage in thought-provoking discussion and invite guests to speak to the energetic group. We will be sharing some of the insights gleaned from the conference in the next Digest but for now, we hope you enjoy some of the photos from the event.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDWe continue to receive pictures of those using their Live Big glasses  as part of our summer campaign to show off the Live Big glass in the United States and around the world. Today we share two pictures of individuals toasting to their new homes – one in London, England and one in San Francisco. If you have a picture you’d like to share, feel free to send it to Lauren@YeBu.com who will ensure it will be included in the campaign on our social media sites and in a gallery on our website. We look forward to seeing your pictures!

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TheLiveBigWay® Digest – Digital Decisions

TheLiveBigWay® Digeston August 13th, 2015No Comments
Estate Planning for Digital Assets

touch- tablet in hands Business manIt is no secret that we are rapidly becoming an ever more paperless society. This doesn’t mean that we are maintaining less “stuff”, however. In fact, I’d be inclined to believe the opposite. With mobile technology a societal norm, we are replacing all our physical information and documents with digital versions. Instead of letters, we have emails. Instead of photo albums, we have Facebook. However, whether your “stuff” is in your desk or in the cloud it is just as important to make sure that there are appropriate instructions for what to do with everything once you are gone. With this in mind, we offer some helpful questions for you to consider in order to make sure that your digital assets are as well planned for as your physical assets.

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Kiplinger: Retirees, Should You Rent or Buy Your Home?

Owner, Renter Green Road Sign Over CloudsIn a recent article from Kiplinger’s Personal Finance, Jane Bennett Clark reviews the pros and cons of renting vs. buying for retirees looking to downsize their living space. While the article specifically addresses retirees, the decision between renting vs. buying is becoming more prevalent for all age groups. Throughout the article, Clark describes the advantages of renting and the advantages of buying as it relates to a retiree’s decision to downsize their home and enlists Dave’s expertise regarding the decision. Here we share Dave’s thoughts on the advantages of renting and a summary of Clark’s review of the article “Retirees, Should You Rent or Buy Your Home?”.

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Introduction to DocuSign®

Business man with note book up closeYeske Buie is pleased to announce that Schwab now provides the ability to open accounts and process certain service requests more efficiently using DocuSign. With DocuSign, you will be able to sign and approve service requests electronically, bypassing the typical process of printing paperwork to sign, scan and return to Yeske Buie. In the near future, we will begin using DocuSign for requests that we feel would be more efficiently handled using this software. In preparation for this change, we offer an introduction to DocuSign so that you can feel more informed if/when you receive paperwork via this method. We encourage you to read more to learn why we feel DocuSign will save you time and effort and what you can expect as we begin to use this service.

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Financial Planning Competency Handbook, Second Edition

Certified Financial Planner Board of Standards, Inc. announced that it has completely revised and updated it’s popular reference guide for financial planning students and practitioners. Elissa and Dave contributed 30 chapters to the original Handbook as members of a select team of practitioners and academics invited to write this comprehensive guide to financial planning. In the fully updated second edition, Elissa and Dave collectively contributed over 20 chapters on topics including Economic Concepts, Investment Strategies, Estate Tax Compliance and Tax Calculation, Gifting Strategies, Retirement Income and Distribution Services and more. Read on to learn more about the revisions and the thoughts from the book’s editor, Dr. Charles Chaffin.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDWe continue to receive pictures of those using their Live Big glasses  as part of our summer campaign to show off the Live Big glass in the United States and around the world. Today we share pictures of the glass in a Las Vegas suburb and in San Francisco’s Golden Gate Park.  If you have a picture you’d like to share, feel free to send it to Lauren@YeBu.com who will ensure it will be included in the campaign on our social media sites and in a gallery on our website. We look forward to seeing your pictures!

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TheLiveBigWay® Digest – A Wall of Worry

TheLiveBigWay® Digeston July 30th, 2015No Comments
A Wall of Worry

EXTRA NewsWe wrote about the renewal of the Greek debt crisis a month ago, noting that it was “like deja vu all over again,” mirroring the Greek debt crisis we were writing about back in October of 2011 (Beware of Greeks Bearing Gilts), when the markets were also in turmoil.  The apparent resolution of Greece’s standoff with the Troika of European Commission, European Central Bank, and International Monetary Fund has allowed the world to now turn its attention to China, where fear of a slowing economy caused the country’s main stock market to recently plunge 8.5% in a single day.  What are we to make of all this? Read on as we retrace our steps to this present day and explain why we feel – as is almost always the case – it’s best to ignore the headlines.

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The 20 Fears That Are Keeping You From Being Rich

Senior Worman with Piggy BankA recent article by Lou Carlozo, The 20 Fears That Are Keeping You From Being Rich, outlines behaviors that oftentimes come between you and your potential wealth. It seems ironic that while many feel additional wealth would be the answer to their financial fears, it may be fear that is holding them back from the additional wealth. Dave contributed his thoughts for Lou’s article to help identify and mitigate the fears that may be coming between you and your potential wealth. See Dave’s thoughts and read the inspiring quote we infuse into our culture at Yeske Buie as a reminder to lose those fears and replace them with powerful thoughts.

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Yeske Buie’s Internship Program: Good For the Company and for the Intern

Taylor and AvivYeske Buie believes in supporting and fostering education and ingenuity of our youth. Because of that strong belief, we have a very vibrant internship program in both of our offices. Interns bring novel perspectives, fresh ideas, and specialized strengths and skill sets – all while augmenting our firm’s capacity. But what exactly do Yeske Buie interns do? How does a robust internship program help Yeske Buie? How do interns impact my experience as a Client? Learn the answers to these questions and more as we reveal why we are passionate about our internship program and and why we believe it provides a multitude of benefits to all involved.

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Meet the Team: Aviv Florenthal and Taylor Agostino

Aviv and TaylorThis summer, Yeske Buie has hosted two interns in our San Francisco office, Aviv Florenthal and Taylor Agostino from William Patterson University. The pair are majoring in Financial Planning, have had a variety of internship experiences, and are top-notch students at their university. And while it’s easy to group these interns as a pair, each individual has shown their unique strengths throughout their internship and have contributed to the firm in a variety of ways including revamping our summary templates to include more valuable and pertinent information for our Clients. In this edition of Meet the Team, we learn more about Taylor and Aviv’s role as interns at Yeske Buie and as the next generation of Financial Planners.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDWe are in the midst of our summer campaign to show off the Live Big glass in the United States and around the world. Our most recent pictures are from individuals celebrating the summer – whether that means toasting to the USA Women Team’s World Cup Victory or enjoying their glass during a week long eccentric Japanese Boro class. If you have a picture you’d like to share, feel free to send it to Lauren@YeBu.com who will ensure it will be included in the campaign on our social media sites and in a gallery on our website. We look forward to seeing your pictures!

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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