Joshua Caleb Schaubach
Field Director|CLTC®, RICP®
Financial Advisor | Taking the Fear Out of Finances | Financial Health | Meeting Clients Right Where They Are to Help Them Achieve Their Goals
Get a financial plan that prioritizes your priorities.
Life has a way of throwing you some unexpected curves now and then. For many people, those curves can be especially hard-hitting. Money is a top cause of stress no matter what. Add on a global pandemic, the stock market swinging at whiplash-inducing rates, and a growing unemployment rate, and both your physical and money anxiety may be at an all-time high.
Despite such uncertain times, it's important to stay calm. Making rash decisions never did anyone any favors (Remember the time you decided to do something "on a whim?"), and the same applies to your money. There are a lot of things out of our control right now, but focus on what steps you can take now to make smart financial decisions.
Plan to Deal With Unforeseen Life Events
An unexpected financial hardship (resulting from a loss of job or reduction in income; medical, health and dental related expenses; vehicle and home repair; etc.) can cut into your cash flow at any point of your career. This can not only lead to financial hardship but can also lead to a feeling overwhelmed in all areas of life. More than ever, having a plan to deal with these situations Consider this time as an opportunity to reevaluate and improve your financial situation for the future. Continue to ask questions and stay educated so you can make smart money decisions, but try not to let money anxiety take over your life.
Asses Your Retirement Readiness
It’s no secret that Americans are falling short when it comes to saving enough for retirement. But as a new report shows, many are disastrously unprepared. I’ve found that many business owners and professionals suffer from years of low savings and to reach the level of retirement security they want they will have to retire later, work longer, or depend on family members.
Have a Solid Financial Strategy and Action Plan
While you might not have a crystal ball to predict the future, having a financial plan is the next best thing so you can be prepared to react to short-term needs or plan for long-term goals. The key to a successful financial future is to have a plan but the important part is not the plan itself it is the planning process that is the most important. Whether it’s a short-term solution or a long-term plan, I have specific resources to support you every step of the way.
Would You Like to Learn More?
As a business owner myself and now working with business owners and professionals, I’ve supported your community through many changes over the years. That kind of history means I have a genuine understanding of the unique financial aspects that make up your world.
I can help you prepare to be more in control of your financial situation – so that you feel less stress and enjoy a happier and more financially-secure future.
If this information resonated with you and you’d like to learn more about the strategies discussed, click the "Let's Connect" button.
I look forward to speaking with you.
Financial planning
Our financial planning conversations don't begin with your finances. Instead we start with you - your life, your family, your priorities, and goals. Once we have your big picture in focus, we'll tailor a plan from a range of financial options using multiple strategies designed specifically to help get you to where you want to be.
Retirement planning
We tailor your plan to fit you and your goals with a range of financial options. From insurance for protection to strategies for growing your money and providing more flexibility, we'll help you live the retirement you always wanted.
Estate planning
We can help you coordinate with your other advisors like attorneys, accountants, and tax professionals to do things like set up trusts, minimize taxes, and administrative costs that can protect the legacy you leave behind.
Education funding
With the cost of school continuing to rise, it's more important than ever to have a plan to pay for it. From strategies for saving and funding education to how whole life insurance can play a role, we can help you understand your options.
Business planning
No matter if your business is big or small, we'll work hard to help you grow. From protecting against risk and managing growth, to attracting and retaining top talent, we have a range of solutions designed for you and your employees.
