Swad Wealth Management

As we bid farewell to 2024 and step into the New Year, many of us are setting resolutions and thinking about the future. For those nearing retirement, it’s the perfect time to reflect on what this next chapter will hold. Did you know 70% of people find their purpose through work? That’s why retirement can feel overwhelming without a plan to stay connected to what brings meaning. Without purpose, retirees often face challenges like boredom, loneliness, and a loss of identity. So, as you plan your resolutions, ask yourself: What will give my life purpose in retirement? Our Retirement Clarity Process™ helps you uncover what’s most important—whether it’s meaningful work, volunteering, part-time passions, or spending time on hobbies and with loved ones. Retirement isn’t about losing purpose—it’s about rediscovering it. 💡 Start the New Year with clarity! Download my free retirement guide at buff.ly/3MZZhO8 and take the first step toward a fulfilling and meaningful 2025.

Don’t just be a “Go-Getter” — be a “Go-Giver!" Sometimes people ask, “Why do you take potential clients through a two-meeting process, even if they might not work with you?” The answer is simple: I believe in giving value first. A Go-Giver is someone who achieves extraordinary results by focusing on providing value to others rather than solely pursuing their own self-interest . It’s about genuinely helping people, no strings attached. And yes, I’ve been inspired by the phenomenal book The Go-Giver by Bob Burg and John David Mann. Let me explain how our process reflects this philosophy: When someone comes to me wondering: 💭 Will I run out of money in retirement? 💭 How much can I safely spend in retirement? 💭 Am I overpaying taxes? 💭 Is my portfolio optimized for retirement? I don’t hold back information. Instead, I take them through our two-meeting Retirement Clarity Process™, which is designed to provide clarity. Whether or not they choose to work with me, they walk away with something incredibly valuable: ✨ A One-Page Plan ✨ This plan answers their biggest questions and outlines the key steps they should consider. It’s actionable, easy to understand, and helps them feel confident about their future. Here’s how I see it: Giving value first is like planting seeds in a garden. 🌱 You invest time and energy into creating something meaningful, and eventually, it grows into something wonderful. You can’t expect a bountiful harvest if you aren’t willing to sow the seeds of trust and generosity first. You know what’s amazing? The majority of people who go through this process decide to work with me. But even if they don’t, I get to walk away knowing I made a difference. I helped someone gain clarity about their retirement and financial future. Focus on planting seeds, not just reaping the rewards. 🌱 Share your knowledge freely. Educate and empower people. Because when you give value first, you stand out. People see that you genuinely care about them, not just their account balances. Are you ready to gain clarity and confidence about your retirement? If you want a process focused on YOU and your goals → Visit buff.ly/3MZZhO8 to learn more! #gogiver #wealthmanagement #retirementplanning

I asked ChatGPT: "Based on everything you know about me, create an image of what you think my office looks like" The first image was what it came up with. The second image with the couch was me giving it one more line of information to refine the image. Pretty interesting! The colors are on brand and both look great. If you were a client, which one would you rather visit? Thanks @James Pollard for the great ChatGPT prompt!

We all know that life is full of surprises—some wonderful, like finding a hidden treasure, and others, not so much. Unfortunately, certain unexpected challenges can disrupt even the best-laid retirement plans. I recently contributed to an article for AARP that focuses on five major obstacles that could potentially derail your retirement and how to address them. In the article, I shared some important insights on how to protect your retirement plans when faced with challenges like job loss or divorce: Losing Your Job: Over half of older U.S. workers experience job loss before they plan to retire. One of my key suggestions was to use budgeting tools like YNAB, Monarch Money, or Rocket Money to cut non-essential expenses and stay on top of your financial situation during such transitions. It's also important to use resources like severance and unemployment benefits before dipping into your emergency fund, taking only what you need, and keeping track to replenish it later. Divorce: Divorce rates among older Americans have surged, which can not only be emotionally devastating but financially devastating as well. I emphasized the importance of working with a divorce attorney and a certified divorce financial analyst (CDFA) to ensure an equitable division of assets. After the settlement, it’s crucial to reevaluate your retirement goals and possibly increase your retirement contributions. The article also highlights other unexpected challenges, such as health crises, caregiving responsibilities, and providing financial assistance to adult children—all of which could impact your retirement savings. To read the full article and get more insights from experts, check it out on AARP's website. It's called "5 Surprises That Could Derail Your Retirement Plans" Remember, the key to staying on track is proactive planning and understanding how to navigate these potential setbacks.

Are your investments serving you, or are you serving your investments? 🤔 In the quest to maximize returns, it’s easy to get lost in the details. But when your financial pursuits start to take up more of your time and energy than they’re worth, it’s time to reconsider your strategy. Maybe you’re managing a rental property that eats up your weekends with maintenance and tenant issues. Or perhaps you’re constantly checking the stock market, letting every dip and rise affect your mood. Some even reinvest every dollar back into their business, working late nights and missing out on life’s precious moments. Remember, your investments should support your life—not take it over. It’s all about balance. Don’t let the pursuit of wealth steal your joy. #FinancialFreedom #WealthManagement #BalancedLife #InvestmentStrategy #LifePlanning

Are you a 'Sick and Tired?' For Sick and Tireds, retirement is often overshadowed by health concerns or life stresses. This group may find retirement challenging and focus on managing these difficulties rather than enjoying life. Do you relate to this? If so, know there are strategies to help you navigate this phase more comfortably. Credit: Ken Dychtwald #retirementplanning #lifeplanning #retirementpersonalities #kendychtwald

Are you a 'Live for Today?' Live for Todays retirees focus on the here and now. They prioritize enjoyment and experiences, making the most of every moment. Whether it’s travel, dining, or hobbies, they believe in seizing the day. Is this your retirement style? Comment below and let me know what you think! Stay tuned, as in our next post, we’ll talk about the Sick and Tireds, who face different challenges in retirement. Credit: Ken Dychtwald #retirementplanning #lifeplanning #retirementpersonalities #kendychtwald

Are you a 'Comfortably Content?' Comfortably Content retirees value peace and simplicity. They’ve worked hard and now want to enjoy life without the pressures of work, focusing on the small pleasures and spending time with loved ones. Does this sound like you? How do you see your retirement? Comment below! In our next post, we’ll explore the 'Live for Todays' - retirees who live for the moment Credit: Ken Dychtwald #retirementplanning #lifeplanning #retirementpersonalities #kendychtwald

Are you an 'Ageless Explorer?' For Ageless Explorers, retirement isn’t about slowing down... Ageless Explorers see it as a time for new adventures and continuous learning. Whether it’s traveling, picking up new hobbies, or starting a second career, they embrace every opportunity to grow. Does this resonate with you? If so, you’re not alone. About 1/4 of people going into retirement would describe themselves this way. How do you see your retirement? Comment below! In our next post, we’ll explore the 'Comfortably Content' retirees who take a more relaxed approach to retirement. Credit: Ken Dychtwald #retirementplanning #lifeplanning #retirementpersonalities #kendychtwald

We all make excuses about why we can't get things done—'I don't have enough time' is probably the most common. But the truth is, we all have the same 24 hours. It's not about finding time; it's about prioritizing it. Here are a few tips: -Identify Your Priorities: Focus on what truly matters to you. If it's not a priority, it's just a distraction 🎯. -Plan Your Day: Break your day into blocks of time dedicated to specific tasks. This helps prevent procrastination and ensures you're using your time effectively 📅. -Eliminate Time Wasters: Social media, TV, and other distractions can eat away at your time. Be mindful of how much time you're spending on these activities 🚫📱. -Learn to Say No: You can't do everything. Saying no to less important tasks frees up time for what really matters 🙅♂️. Time is your most valuable asset—don't let excuses rob you of it. #TimeManagement #NoExcuses #PrioritizeYourTime"