P+HS Architects’ Post

This is really progressive leadership and brilliant succession planning. Showing job shares and joint positions at top levels sets a fantastic example. Well done to Llamau, its board and the joint CEOs. #WomenInLeadership #ProgressiveThinking #SuccessionPlanning

A true leader in our field.

At S&L, we are grateful for every aspect of our relationship with clients. Sure – celebrating retirement and wedding days are fun. But we feel equally privileged to be able to offer guidance during some of your most challenging times. Get to know us: https://lnkd.in/dW_y-Dcc #personallyinvested #financialplanning #wealthmanagement

Congratulations to Clint on his much-deserved retirement. Today has made me reflect: I’ve known Clint since I was a young boy. He reminds me of when I used to get sent out with the crews for acting up in school to show me what real hard work looked like. For those of us in the skilled labor business, his departure represents a loss of invaluable knowledge and dedication that cannot be replaced. A few key points to take from days like today: 1. Learn from Senior Personnel: Engage with those who have experience and soak up as much knowledge as you can. Don’t let your ego get in the way. 2. It's More Than Just a Job: Treat people with humanity, and you’ll be able to support your team beyond the office. Sometime each other is all you have. 3. Invest in Training: emphasis younger personnel through skilled mentors. There is no better way to learn. 4. Provide opportunities for Young People: High school graduates should be eager to embrace skilled trades. They can secure good livelihoods with benefits for their families. While tools may evolve, foundational skills remain essential and the rate for skilled labor is better than what many realize. 5. Support the Industry: Encourage newcomers, even if they join your competitors. Elevating the quality and importance of our skills benefits everyone. And the most important: 6. Promote safety and healthy habits. It’s crucial to foster a healthy lifestyle and prioritize safety to ensure employees enjoy life after retirement. Clint’s legacy will guide us as we carry these lessons forward. #Retirement #SkilledLabor #Mentorship #Legacy #Training #SafetyFirst #SupportTheIndustry #ConstructionLife

10 Dog Breeds Similar to Cavaliers Cavalier King Charles Spaniels are cherished for their sweet disposition, beautiful, expressive eyes, and elegant yet sporty build. Originating from the United Kingdom, these small but vibrant dogs blend the gentleness of toy breeds with the spirited heart of sporting spaniels. Cavaliers are known for their affectionate nature, making them excellent companions for families, singles, and seniors alike. They thrive on human interaction and are as content to snuggle on a cozy lap as they are to embark on outdoor ... Read more The post 10 Dog Breeds Similar to Cavaliers appeared first on iHeartDogs.com. I am a dedicated Fiduciary Tax and Retirement Planner with extensive experience in helping clients plan for their financial futures. I specialize in creating personalized, comprehensive retirement plans tailored to meet individual needs and goals. I am committed to acting in the best interests of my clients, providing unbiased advice, and ensuring their assets are managed effectively. As a fiduciary, I am bound by law to act in the best interests of my clients. This means I am accountable for ensuring your retirement funds are invested wisely, managed efficiently, and taxed appropriately. Whether you're just starting to think about retirement or already there, I can help you navigate through the complexities of tax laws, investment options, and retirement strategies. My aim is to help you understand your financial situation and make informed decisions that will benefit your financial health in the long run. If you're looking for a dedicated, trustworthy advisor to guide you through your retirement planning process, feel free to connect with me. Let's plan for a secure and comfortable retirement together. Call at 480-270-2802 Visit us on our website: https://lnkd.in/gghwGBXG #Fiduciary #TaxPlanning #RetirementPlanning #FinancialAdvisor#law #assets #advice #goal #future #goals #client #futures #planner #experience #clients #retirement #retirementstrategy #investmentoptions #investmentoption #taxlaw #taxlaws #retirementfund #retirementfunds #retirementplan #retirementplans #beaccountable #investwisely #beto #informeddecision #informeddecisions #financialsituation #bestinterest #financialfuture https://lnkd.in/gWSr-mjY

Income Options for the Retirement You Envision

Income Options for the Retirement You Envision

Income Options for the Retirement You Envision

Income Options for the Retirement You Envision

Last week I met with Tom. Tom is 52 and his big goal is to retire at 57. He's a director at a large medical device company. Tom makes really good money, owns his house here in Santa Barbara, and has a golden retriever named Teddy he loves dearly. 𝗧𝗼𝗺'𝘀 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲: Tom's biggest asset outside of his house is a big bunch of stock from an old company he used to work at. The stock price has been on an absolute tear and has almost doubled in the past 12 months. The value of of his stock of that company alone is worth well over $1M at this point. He is a great saver (on track to save almost $100k this year) and is building up other assets in his 401k and brokerage account, but this old company stock is a huge driver of his financial future. 𝗛𝗼𝘄 𝘄𝗲 𝗮𝗿𝗲 𝗵𝗲𝗹𝗽𝗶𝗻𝗴: With about 5 years to his goal retirement, we are creating a "sell plan" for Tom. He still believes strongly in the company and where it's headed. But he also recognizes that a) anything can happen in the next 5 years and b) if he's wrong, it could push back his retirement timeline. Our plan involves two factors: 1) covered calls to generate income while setting a target selling price 2) a time based approach where we sell a set amount of shares each quarter - basically dollar cost averaging for selling It's a little bit of splitting the difference - if the stock continues to go up, Tom will continue to participate in the upside. But if it goes down, we are starting to diversify into other assets as well. Of course, we won't time this perfectly. If the stock skyrockets, Tom will probably wish he hadn't sold at all. But if it goes down, he'll probably wish he sold more. There's always risk, but the big thing is that we are taking action and getting started now. -- Ultimately our goal is to turn Tom's hard work and diligent saving into a paycheck in retirement. So that he can retire to a life he loves - more travel, more time with his dog, and more time enjoying Santa Barbara. --- PS: in the right situation, covered calls can be a great strategy. But they certainly aren't for everyone Here's a case study we ran for a client: https://lnkd.in/gaiDiv6D