Do the laundry, make dinner, pay the bills, pack the kids lunches, clean the house, walk the dog, feed the cat, 5:00 soccer practice…….
And….. this is the ‘to-do’ list rattling around in your head, even before your alarm goes off at 6:00 AM!
Then your day begins…….
And SURPRISE!!!! You learn you are in charge of homeroom snacks today (which by the way, your son just remembered to tell you on the way to school) and to top it all off, your daughter informs you that she needs a Sebastian “The Lobster” costume by tomorrow, for her debut in the middle school play ‘The Little Mermaid’…… which opens Friday…..AHHH!!!!
(You are SO happy and proud she got the part, but come on?!)
I know this sounds familiar to many of you.
What is surprising to me…. is that even now, being an ‘empty nester’…as I lay in bed, before my alarm goes off – there is still that nagging, albiet sometimes exhilarating… list of things to do, tapping me on the shoulder, begging for my attention. Maybe not “kid” specific duties anymore – however, those child rearing responsibilities have found a way to be replaced….by work deadlines and commitments, volunteering, extended/aging family issues, new hobbies and passions…and so on.
As many if you know, my husband and I raised two boys. We both were dedicated to our careers when we married. When our oldest was born, in 1993, I made the conscious decision to pursue a full-time career and be a ‘full-time’ mom, which many of you have done. My second son was born four years later in 1997.
As the boys aged, they became involved in what seemed to be every activity the school had to offer, mostly (not surprising), athletic activities…and our week was always full. My husband was the high school boy’s basketball coach in our community and there were many (most) winter nights I was on my own to tackle everything on the calendar.
…and there were many times I felt alone …..and very tired.
Over the years, I have taken time to reflect, and realize I really was not alone. There were people back then who were willing to help me. If only I had been courageous enough; not been so proud to ask for help; from friends, neighbors, professionals, my parents and so on. I could have relied on others to come along side me and relieve me of some of my burden.
It’s kind of like this with our money. We can handle (or attempt to handle) things on our own for a while. Then things change, and finances get complicated. We try to manage our money and stick to a budget, to pay down debt, save for college or retirement…and it becomes overwhelming. We plan for those financial issues we know about and are familiar with, but we don’t think to prepare for those unexpected financial issues or surprises (life events) that we cannot predict.
The great news is you don’t have to do it alone. It is not a sign of weakness to ask for help. There are financial professionals that can come along side and help you put together a plan. Maybe talking to a trusted advisor has been one of those nagging items you have had on YOUR to-do list….or maybe it is one of your New Year’s Resolutions…regardless…..take time to determine if you need help and don’t hesitate to reach out for help!
A little more about us:
Compass Financial is an independent, fee-based financial advisory firm in West Des Moines, Iowa. The Compass Team helps individuals and families develop an inspiring vision of their financial future and a realistic strategy.
By listening closely to our clients’ true needs, wants, hopes, desires and dreams we are able to combine Wealth Management and broad Financial Planning customized to each individual situation. It’s our goal to assist you in developing a personalized financial road map. The results from the process should include confidence that comes from planning. As we all know, life happens, sometimes ambushing the best laid plans. Accepting a new reality and adapting the financial plan is work we have done many times for our clients.
We also offer Financial Check Up or Second Opinion Services to those who want to enhance the service they are already receiving. This should lead to a better understanding of your current plans and give added confidence to your existing advisor relationship.
Sometimes life’s biggest challenges come in the form of transitions, retirement, marriage, health issues, divorce, unexpected loss, or even college savings. Our team at Compass has experienced many of these life transitions, it’s our hope to come alongside you and your family. These defining moments of life provide opportunities to implement financial strategies that can have long lasting impact. The first step is always the most difficult, but can also be the most rewarding. Please Contact Us today to receive your free, no obligation, one hour initial consultation!