Wealth Health Blog

Thoughts on all things Wealth Health - especially Planning, Investing and Protecting Your Personal Finances

Client Letter – 2020-03-22 – Shelter In Place Planning

letters-to-clients

I hope you are keeping your physical distance (I refuse to use the publicly accepted media term for it anymore) and maintaining good health habits. Coronavirus is an event that will define a generation. Good Planning is a key to weathering this storm. A plan won’t eliminate the negatives, but it does make tough circumstances more manageable. You have options where those who haven’t planned are finding their choices limited.

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Client Letter – 2020-03-15 – Stop vs. Limit

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Another Letter to Clients – 2020-03-15 – A whole lot has changed since my update just seven days ago. With local schools closing and runs on TP and other staples, stress is up for everybody. While it would be nice if we could just turn the stress off, that’s not realistic. The best we can do right now is to understand and manage the situation as well as possible.

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Client Letter – 2020-03-08 – Coronavirus

letters-to-clients

The first of several Letters to Clients – 2020-03-08 – Turbulence has returned to the markets. Covid-19, the latest strain of coronavirus, is affecting the stock market and will alter the future of the world economy. We’ve been tracking this story closely and I’ve already been called into the media to share our unique Wealth Health approach to something like this. I want to state right up front that your portfolio was designed from the ground up to help you when something like this happens.

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Ready For Anything

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“Ready for Anything” is the best way to deal with all the “stuff” that naturally happens. Being Strategic and Intentional (responsive rather that letting life hit you in the face) is at the core of good Wealth Health.

Ready for Anything means understanding what can happen and thinking ahead of time about how you wish to respond whether that be to Change, Debt or even those pesky Robocalls. Check out these articles to learn more.

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Determination

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One thing business owners all have in common is determination. But, stubborn determination tends to be long term unsustainable.

Determined but not stubborn. What’s the difference? Believe strongly in where you’re going but always be ready to adjust to the present. That means being focused, data driven and strategic about how you respond to life (and business). | The Most Important Ingredient for Happiness | Should You Pay for Tax Prep? | Constantly Rebuild.

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Regret

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My mother turns 92 next month. I recently asked her if she had regrets. Her answer was, “I try hard to live a life that I don’t regret.” Now you know where my “be intentional” belief came from. 90-somethings DO have regrets, however, and we can all learn from them. Read our first article for that.

Also the Power of Action vs. Title | How Much Leisure is Ideal? | Boeing Will Regret How They Handled the 737 Max Problem.

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Inspiration

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If you read only one, pour yourself a cup of coffee and dig into the ESPN article about Rob Mendez. Rob’s a head football coach, born without arms or legs, who’s never held a football. What can he teach high school players about how to throw, tackle or block? A lot.

More great reads include How to Be Ridiculously Likeable | A Great Time Management Tip | Recessions Coming and We’re Not Ready.

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What Is Wealth Health

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Whether or not you’ve heard the phrase, “Wealth Health,” you have been attracted to articles about it. These articles touch upon some aspect of daily decisions (Health) that affect your Wealth. While “Wealth” may be financial, it really applies to ALL of your personal resources – money, time and energy. Learn how millionaires manage their Wealth Health differently than others | Are Free Tools Free? | Americans expand their love for cars and debt.

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Progress By Delusion

delusion-progress

We’re all human … which means none of us is perfect or rational. Every person suffers from delusions to some extent or another. Allowing for these human “flaws” (as a Wealth Coach, I prefer to call them “unique qualities”) is actually healthy. Celebrate the upside to NOT being rational. Add a pinch of delusion with these reads: How to Make Others Comfortable Around You | Great Choices From Delusion | Is the Stock Market Delusional?

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Delusion of Control

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We all succumb, at least in part, to the delusion that we are in control, self-directed and independent. The delusion of control is especially prevalent in investment management but permeates all aspects of personal finance.

We look at ways you can be more productive in everything, the downgrade that Vanguard just gave the stock market and an introspective piece about the need to resist the manipulative power of the narrative.

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The Legal Stuff:

ALTUS Wealth Solutions is a Virtual Registered Investment Advisor firm, registered with the State of California and created in late 2007 (proof that market timing is not our specialty – then again, nobody can time the market). ALTUS Wealth Solutions is NOT affiliated with any broker or dealer. We provide financial planning and investment management services for a fee, are not paid to make any specific recommendations and do disclose any and all conflicts of interest with the advice that we give.

John Buerger is the founder, owner, Chief Investment Officer, financial planner … and currently everything else in a one-person Registered Investment Advisor firm. The advantage is you get to work with the person actually making the investment decisions, not a salesperson serving up ideas from someone else in New York who doesn’t even know you. John is a CERTIFIED FINANCIAL PLANNER™ professional with a BA in Economics from Middlebury College and a Masters of Science in Financial Services (MSFS) from the American College in Bryn Mawr, PA.

John adheres to the fiduciary standard of care, makes every attempt to do whatever is in the clients’ best interest and put those interests ahead of his own.