Swad Wealth Management’s Post

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

🌲 A Story About Retirement Dreams & Planning Ahead 🌲 Once upon a time, my buddy Tim and I were setting out for a weekend hiking trip in the great outdoors. 🏞️ We had our backpacks loaded with snacks and our favorite water bottles, ready to tackle the trail. As we trekked through the lush green paths, we started talking about our dreams. Tim, like so many of us, expressed his desire to travel the world once he retired. But as we hiked, I saw a hint of worry in his eyes. 😟 Tim wasn’t sure if he’d saved enough to make those dreams come true. We’ve all been there, right? That nagging concern about whether we’ve done enough to prepare for the future. I think about it too, especially when I see my kids swimming and laughing, completely carefree. It made me realize: life throws us curveballs, and we need to be smart about saving for our future. 💰 Later, as we sat down for lunch by a peaceful creek, I told Tim about a strategy I’d discovered that could help him achieve his dreams. It’s about understanding the new rules around retirement savings—ways to stash away more cash in a tax-friendly way. Tim’s eyes lit up. ✨ He realized he could keep his dreams alive and enjoy life today. It felt like the time we jumped into a cool lake after a long hike—refreshing and free. And that’s how retirement planning should feel: like a dive into clear, refreshing waters. 💦 If you’re also wondering how to secure your retirement dreams without sacrificing the joys of today, drop a “splash time” below, and let’s dive into a conversation. 🌊 Because the last thing we want is to miss out on our dreams when it matters most. 🌍💼 #RetirementPlanning #FinancialSecurity #TravelDreams #SecureFuture #WealthManagement https://lnkd.in/eXeDgKXU

Retirement: The Weekend Trap Most People Don't See Coming Here's a quick experiment: grab your phone and Google "What percentage of my income do I need for retirement?" You'll likely find answers suggesting a safe range like 70-80% of your current income. Comforting, right? But as a financial advisor, this common advice always concerns me. Let me tell you, whenever I leave the house, I end up spending more than expected. During the workweek, I am at the office and usually not out spending tons of money. Then comes the weekend. The floodgates open. We're out to lunch, taking the kids to activities, catching a movie, maybe some online shopping (for golf gear, of course).  My spending spikes when I have free time, and that's okay…for now. But here's the reality that many miss, in retirement, every day becomes a weekend. Without a workday to structure your spending, those "occasional" splurges can become the daily norm. I tell clients this: it's okay to be a kid in a candy shop in retirement, but we need a solid plan to support that lifestyle. Planning to live on 80% of your income may sound like a good rule of thumb, but in reality, it could be the scariest financial decision you ever make. When you Retire, everyday is a weekend!

👩💼 Are you feeling way, way behind when it comes to saving for retirement? Don’t worry; you’re not alone. There are 3 categories of savers, and if you fall into the “Starting Late” Saver crowd, you have plenty of company. You might have had a setback because … 👉 You made a big move in your career 👉 You went through a divorce 👉 You were widowed 👉 You own a business that’s taken all your focus If you’ve been through any of those, you can feel like you’re so far behind that it’s too late to catch up … but it’s never too late. Let’s dive into some practical steps to help you kickstart your retirement savings journey. 💪 Budget and Cash Flow: 💰 Find the Money: Start by reviewing your budget. Can you allocate funds for retirement savings? If not, explore ways to increase your income or reduce expenses. 📈 Beyond Employer Plans: Even if your workplace doesn’t offer a retirement plan, don’t panic. Consider taxable investment accounts—they’re a valid option too! Seek Professional Guidance: 🤝 Financial Planning Matters: Consider paying for a financial plan. It’s separate from investment management and can help you chart the right course. 🌐 XY Planning Network: Check out resources like @XY Planning Network (xypn.com). They connect you with fiduciary advisors who can guide you. Catch Up and Be Realistic: 🏃♀️ Time to Hustle: If you’re behind, embrace the challenge. Catching up requires dedication and a realistic outlook. 🌟 Social Security Isn’t Enough: Beyond Social Security, explore other options. You’ve got this! Flexibility Is Key: 🌈 Adaptability Matters: Life isn’t always perfect. Be flexible. Adjust your retirement plans as needed. 🙌 Start Now: Remember, it’s never too late—unless it’s the day before retirement! 😉 Listen In: If you’re hungry for more insights, check out our recent episode on the three kinds of savers. Find the 🔗 link in the comments below. 👇 Remember, you’re capable, resilient, and ready to take charge of your financial future. Let’s make that future start now! 🚀💕 #WomenAndWealth #RetirementPlanning #FinancialEmpowerment #InvestingForTheFuture

As we transition into retirement, it’s essential to realize that this new chapter is not solely defined by financial metrics. A fulfilling retirement is a beautiful blend of financial stability, emotional well-being, and aspirational dreams. In my recent article, “Retirement: It's About More Than Just Money,” I explore the key non-financial elements that contribute to happiness in retirement, including: Prosperity: Cultivating a sense of well-being and confidence about your financial situation. People: Building meaningful connections outside of work to enrich your social life. Purpose: Engaging in activities that ignite your passion and provide daily motivation. Health and Wellness: Prioritizing your physical and mental health to fully enjoy this time. These themes are critical for couples and individuals alike as they plan for their futures. If you're interested in exploring these ideas further, read the full article here: https://lnkd.in/gKmzru28 Let’s work together to ensure your retirement is as fulfilling as it is financially sound. Your dreams deserve to become reality. #RetirementPlanning #FinancialWellness #LifeGoals #RetirementHappiness

For most people, retirement is like an on-off switch.  But, for many lawyers, it’s much different. Attorneys often see retirement as a dimmer switch. They’ll start slowly by reducing the number of hours they work and then the number of cases they take on, and eventually, they’ll stop working. So, how can having this 'dimmer' option help you get ahead (or catch up) in your savings for retirement? In our recent video in the Happy Rainmakers series, Niraj Chhabra, CFP, MBA, CLTC, CRPC, a Certified Financial Planner at Sidebar Advisors, explains how this retirement flexibility gives attorneys more options and financial autonomy. Here are just a few of the noteworthy tips that Niraj shared: 1. Plan in Advance: Thinking about your retirement well in advance will give you options and autonomy over your finances and lifestyle after retirement.  2. Diversify Your Taxes: If you wait for all of your money to be taxed on your way out, you’re going to lose a good chunk to the IRS.  3. Factor In Your Lifestyle: When considering your savings goals, it’s important to factor in your retirement. This will ensure that you have enough to maintain the lifestyle you envisioned when you retire.    What kind of lifestyle do you envision for yourself after retirement? And what are you currently doing to set yourself up for it? #Retirement #DesignYourLegacy #HappyRainmakers #HappyRainmaker #AttorneyRetirement #MondayMotivation ##### Hi, I'm Jen. I'm a legal talent agent. I help lawyers become rainmakers and Rainmakers find their exact right perfect fit firm. 

Ever wondered if your retirement plan is more "sip wine on a beach" than "sail the world on a yacht"? 🍷⛵ Let's talk about making your golden years truly shine! I'm Cindy Hook, CEO and your go-to gal for turning that retirement nest egg into a golden goose. 🐣💰 Now, I know what you're thinking, "Cindy, I've got a 401K, I'm set!" But let me ask you, is it self-directed? Because if not, you might just be missing out on the chance to double your money with some savvy capital raising and private money lending moves. 📈💼 I've helped folks just like you go from "I hope I can retire one day" to "I'm retiring next year, baby!" And it's not just about the Benjamins; it's about creating generational wealth that'll have your kids and grandkids doing the happy dance. 💃🕺 So, let's get down to brass tacks. Are you ready to take control of your retirement with a self-directed IRA or 401K? Are you itching to learn how to make your money work for you, so you can spend more time perfecting your golf swing or booking that next adventure? Drop a comment below with your retirement dreams or share this post if you're ready to make them a reality. Let's raise some capital and some eyebrows while we're at it! 😉 #RetirementGoals #CapitalRaising #PrivateMoneyLending

Navigating the Transition to Retirement: A New Chapter Begins We recently met with a new client who, at 64, was trying to decide whether to retire now or keep working for a few more years. Based on all her hard work and preparation, our planning process shows she’s MORE than ready for a comfortable retirement. But like many who have spent decades saving, she’s feeling nervous about transitioning from accumulation to decumulation—switching from saving to spending all that hard-earned money. She put it perfectly when she told us, "Talking about someone's money is VERY emotional." And it really is. The day we showed her that she could retire now, there was a flood of emotions. While she had been a DIYer with her finances for years, she came to us because she wanted to be absolutely sure. At Mendel Money Management, we understand that this shift is about more than just the numbers—it’s a psychological and emotional journey. We’re here to provide clarity, confidence, and a plan that reflects your long-term goals and the lifestyle you want to enjoy in retirement. If you’re approaching this transition and feel the weight of it, let’s talk. We’re here to help guide you through it. 📞 Schedule a meeting here: https://lnkd.in/eXiGtcWa #RetirementPlanning #FinancialPlanning #WealthManagement #MendelMoney

Navigating the Transition to Retirement: A New Chapter Begins We recently met with a new client who, at 64, was trying to decide whether to retire now or keep working for a few more years. Based on all her hard work and preparation, our planning process shows she’s MORE than ready for a comfortable retirement. But like many who have spent decades saving, she’s feeling nervous about transitioning from accumulation to decumulation—switching from saving to spending all that hard-earned money. She put it perfectly when she told us, "Talking about someone's money is VERY emotional." And it really is. The day we showed her that she could retire now, there was a flood of emotions. While she had been a DIYer with her finances for years, she came to us because she wanted to be absolutely sure. At Mendel Money Management, we understand that this shift is about more than just the numbers—it’s a psychological and emotional journey. We’re here to provide clarity, confidence, and a plan that reflects your long-term goals and the lifestyle you want to enjoy in retirement. If you’re approaching this transition and feel the weight of it, let’s talk. We’re here to help guide you through it. 📞 Schedule a meeting here: https://lnkd.in/gsiYr6_c #RetirementPlanning #FinancialPlanning #WealthManagement #MendelMoney

𝐒𝐢𝐧𝐠𝐚𝐩𝐨𝐫𝐞𝐚𝐧𝐬...𝐏𝐥𝐞𝐚𝐬𝐞 𝐝𝐨𝐧'𝐭 𝐣𝐮𝐬𝐭 𝐟𝐨𝐥𝐥𝐨𝐰 𝐭𝐡𝐞 𝐠𝐮𝐢𝐝𝐞𝐥𝐢𝐧𝐞𝐬!! . . A few weeks ago, I had a chat with an adorable ah ma (around her 70s) in a coffeeshop because she was so friendly. She speaks good mandarin with a little bit of English. I asked her, " Why are you still working so hard at your age, shouldn't you be resting at home and playing with your grand children?" She told me that her husband passed away 5 years ago, 𝐬𝐡𝐞 𝐝𝐨𝐧'𝐭 𝐡𝐚𝐯𝐞 𝐞𝐧𝐨𝐮𝐠𝐡 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐬𝐡𝐞 𝐮𝐬𝐞𝐝 𝐮𝐩 𝐦𝐨𝐬𝐭 𝐨𝐟 𝐡𝐞𝐫 𝐦𝐨𝐧𝐞𝐲 𝐨𝐧 𝐡𝐞𝐫 𝐥𝐚𝐭𝐞 𝐡𝐮𝐬𝐛𝐚𝐧𝐝'𝐬 𝐦𝐞𝐝𝐢𝐜𝐚𝐥 𝐟𝐞𝐞𝐬 𝐚𝐧𝐝 𝐡𝐞𝐫 𝐨𝐰𝐧 (both of them do not have any insurances). Her children were all grown up, have their own families and 𝐬𝐡𝐞 𝐭𝐨𝐥𝐝 𝐦𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐞 𝐝𝐢𝐝𝐧'𝐭 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐚𝐝𝐝 𝐚𝐧𝐲 𝐛𝐮𝐫𝐝𝐞𝐧 𝐭𝐨 𝐭𝐡𝐞𝐦 𝐰𝐡𝐞𝐧 𝐭𝐡𝐞𝐲 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐡𝐚𝐯𝐞 𝐬𝐨 𝐦𝐮𝐜𝐡 𝐨𝐧 𝐭𝐡𝐞𝐢𝐫 𝐩𝐥𝐚𝐭𝐞𝐬. So, while she can, she wishes to work on her own to earn some money and keep active until she can no longer. . . . Here are my thoughts: Retirement isn’t just about saving—it’s about having a solid plan that ensures you can live comfortably in your golden years. . . 𝘏𝘦𝘳𝘦 𝘢𝘳𝘦 𝘴𝘰𝘮𝘦 𝘬𝘦𝘺 𝘨𝘶𝘪𝘥𝘦𝘭𝘪𝘯𝘦𝘴 𝘧𝘰𝘳 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨: . . 𝐄𝐬𝐭𝐢𝐦𝐚𝐭𝐞 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐧𝐞𝐞𝐝𝐬: You’ll typically need 70-80% of your pre-retirement income to maintain your lifestyle. . 𝐒𝐭𝐚𝐫𝐭 𝐬𝐚𝐯𝐢𝐧𝐠 𝐞𝐚𝐫𝐥𝐲: Compounding interest works best over time. If you start at 30, aim to save at least 15% of your annual income. . 𝐃𝐢𝐯𝐞𝐫𝐬𝐢𝐟𝐲 𝐲𝐨𝐮𝐫 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬: A balanced portfolio with a mix of equities, bonds, and other assets can help manage risk. . 𝐏𝐥𝐚𝐧 𝐟𝐨𝐫 𝐡𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞 𝐜𝐨𝐬𝐭𝐬: Medical expenses can rise significantly. Make sure you’re covered with insurance and savings. . . . Working with a trusted financial consultant, like myself, ensures you have a personalized roadmap to meet these goals. . Let’s connect to create a plan that’s tailored to your financial situation and secure your future retirement! #planwithElsie #retirementplanning