Swad Wealth Management

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"

"Once you learn how to die, you learn how to live..." In the book, "Tuesdays with Morrie," Morrie Schwartz was faced with ALS, often referred to as Lou Gehrig's disease. As his body was degenerating, Morrie emphasized the importance of acknowledging the reality of death and using that understanding to prioritize what truly matters in life. Often times, these are matters of love, relationships, connection, and personal growth. It might mean making an impact on others. While I never want to see anyone have to face something like ALS, like Morrie did, I hope you are doing all you can to live your most fulfilled life. It's why I ask three important questions to each of my clients so we can unearth everything important to them and then prioritize those elements. About 70% of the time, the third question is where people really get clear. And while the question is simple, it's not always the easiest to answer. So what is the third question? "The doctor shocks you with the news that you only have one day left to live. Notice what feelings arise as you front your very real mortality... Ask yourself: -What did I miss? -What did I not get to be? -What did I not get to do?" If you want to learn about the other two questions and exercises you can do to help plan for your future, check out 15 Retirement Planning Tips for People Age 50+. You can DM me or comment below and I'll send you a free PDF copy. #financiallifeplanning #wealthmanagement #lifeplanning

Rent is the MAXIMUM you'll pay... Your mortgage is the MINIMUM you'll pay. Does that mean you shouldn't buy a home? No. BUT, so many people discount how much home ownership really costs. Maintenance... Repairs... Landscaping... Painting... New Roof... New Dishwasher... New Furnace... The list goes on and on. You also have to consider your time. How much is it worth? Because, as a homeowner, YOU will be the one responsible for all of these things, which means you have to call the plumber (or fix the toilet yourself), etc. AND, home ownership can limit your flexibility. For example, if you are looking to advance your career and your income potential, having the ability to move can greatly increase your chances of that. If you own a home, you might be stuck there for quite some time as it can cost a lot to sell and if the housing market collapses, it can take many years for it to recover. Now, there are a lot of nice things about owning home, but don't buy a home just because you think it's a good "investment." Do the math and think about it as it applies to your personal situation and goals. #homeownership #investing #wealthmanagement

Many of us won't experience a near-death experience that shocks us into realizing our true priorities. Many of us will continue to grind and keep ourselves "so busy" that we won't escape the day-to-day to see the big picture. Last week, I talked about Morrie from the book "Tuesdays with Morrie" where Morrie shares his wisdom, while facing death, to help us lead more fulfilled lives. While I never want to see you or anyone have to face something like ALS, like Morrie did, I hope you are doing all you can to live your most fulfilled life. So, without intentionally putting ourselves in a near-death experience, how do we gain clarity over each of our individual priorities? Enter - THE THREE QUESTIONS About 70% of the time, the third question is where people really get clear. And while the question is simple, it's not always the easiest to answer. So what is the third question? "The doctor shocks you with the news that you only have one day left to live. Notice what feelings arise as you front your very real mortality... Ask yourself: -What did I miss? -What did I not get to be? -What did I not get to do?" This question isn't about what you would do over the next 24 hours... It's about understanding your feelings, which as Morrie tells us can lead to a richer life. If you want to learn about the other two questions and exercises you can do to help plan for your future, check out Zack Swad's guide, 15 Retirement Planning Tips for People Age 50+. You can DM us or comment below and we'll send you a free PDF copy. #financiallifeplanning #wealthmanagement #lifeplanning #georgekinder

"Once you learn how to die, you learn how to live..." In the book, "Tuesdays with Morrie," Morrie Schwartz was faced with ALS, often referred to as Lou Gehrig's disease. As his body was degenerating, Morrie emphasized the importance of acknowledging the reality of death and using that understanding to prioritize what truly matters in life. Morrie emphasized several topics. He believed that love and relationships are the most important things in life. He talks about how understanding and accepting death can help people live more meaningful and fulfilled lives. After all, if you've ever had a near death experience or if a very close loved one died, it may have shined a light on what is most important to you. Morrie goes on to talk about Work & Ambition (one of my core values). Morrie acknowledges the importance of meaningful work but advises against allowing it to overshadow other aspects of your life, such as family and personal well-being. Ultimately, Morrie critiques societies obsession with wealth and material success. He argues that true happiness comes from love, relationships, and meaningful experiences instead of possessions. Do you agree with Morrie? #lifeplanning #RLP #truewealthmanagement