Here I am, once again. It has been time for a change and that change is happening now. I'm excited to announce that I'm in the process of starting my own firm again. Avea Financial Planning, LLC, is a financial planning firm dedicated to helping families with college-bound kids plan for college, retirement and manage investments to make that all happen. I've joined a wonderful network of young advisors who, like me, are from Gen X or Y, and want to work with clients from Gen X and Y. I've chosen to focus my planning on families with college-bound kids because I've come to realize the deep and ongoing problems associated with student loan debt, and how that can affect one's financial life over one's lifetime. It is a problem there are smart solutions to, and in conjunction with proper planning, families don't have to rob from their retirement to have a successful outcome. I am so excited to be back in the game, re-invigorated to have a positive impact on people's lives.
At my "day job" at Liebe-Thompson Financial Planners, where I have been working since 2006, this past year has been one of great transition. We have been hard at work during this time to help clients through all the changes that have occurred as we have started to wind down Liebe-Thompson as we know it, only to have it blossom into the new and improved Advisor Benefits Group and give birth a new business, ALP Financial Planning.
Then at the end of 2014, I made the decision to close my private RIA (Registered Investment Advisory) firm, which PlannerGirl.com was dedicated to. Instead I am now focusing all my energy into the great work we do at Advisor Benefits with regard to offering employee benefits, comprehensive financial planning and investment management all under the highest level of fiduciary care in the industry.
Advisor Benefits is celebrating 20 years in business and we know that the future is bright because every single day we come to the office knowing that the work we do matters and makes a difference in our clients' lives.
Today is my 3rd anniversary of meeting the required criteria, the four "Es", to obtain the certification for being a
CERTIFIED FINANCIAL PLANNER™ professional:
WHY CFP® CERTIFICATION MATTERS
Most people think all financial planners are "certified," but this isn't true. Anyone can call himself a "financial planner." Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification marks, which represent a high level of competency, ethics and professionalism. CFP Board's Standards of Professional Conduct require CFP® professionals to look out for your interests above their own.
Learn more at LetsMakeAPlan.org
Happy New Year!
Like many of you, in my office we tossed around the question, “What are your resolutions for the new year both on a professional and personal basis?” As we head in to 2014 I sincerely hope to continue to get to know better not only my existing clients, but many of the people who have reached out to me in one way or another, through my website, Facebook or phone. In the business of personal financial planning, it really is all about trust and the trusted relationship between client and advisor.
So I wish to continue to host smaller, intimate events and classes so that I may get to know my clients better, and for those who want, they may have the opportunity get to know me better. Sadly, I’m mostly an introvert, but when I am around my clients, who are more like friends, it’s easy to become more of an extrovert.
My personal resolution is definitely more boring; simply to walk around our county block 2 times (about 2 miles total) at least 3 times a week. I’d eventually like to turn that into a run, which would help when I have to outrun the loose Franklin County donut hole dogs…!
So here is to a fabulous 2014. Have no fear and live life on your own terms!
We wrapped up this year's 5 week Junior Achievement program last Friday. This year I requested my 5th grade son's class at Hawthorne Elementary School in Kennewick. These kids are in the Dual Language program and most of them have been together since Kindergarten. You couldn't tell, could you? Not only have they learned regular school work in both English and Spanish making them bilingual, bi-literate and bi-cultural, they have acquired lifelong friends, many of them from around the world. Our JA program tied in beautifully as we learned about the importance of lifetime learning to acquire skills required for careers of the future, and how many companies are connected globally in the development and sale of products. As a financial planner I strongly believe in getting kids to be excited about learning, goal setting, and achieving what's important to them. Understanding money and planning for college and careers is a big part of that experience. Thank you Mr. Aparicio and his awesome class of 5th graders. They will be uniquely qualified to meet life's challenges head on!
Savvy Social Security Planning:
What Baby Boomers Need to Know to Maximize Retirement Income
The decisions you make can have a tremendous bearing on the total amount of benefits you stand to receive over your lifetime. By coordinating Social Security with the rest of your retirement income plan, you can pursue the universal dream of a comfortable, worry-free retirement.
Baby boomers want to know:
• Will Social Security be there for me?
• How much can I expect to receive?
• When should I apply for Social Security?
• How can I maximize my benefits?
• Will Social Security be enough to live on in retirement?
Happy Birthday(s) to my two sweet boys who, although they are two years apart, both have birthdays this week.
Angie Furubotten-LaRosee, CFP® is a financial planner who helps regular people with "big picture" planning, focusing on their money and their lives.
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