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We measure the success of our financial life plans by how they make a difference in people’s lives. Our goal is to make people’s lives better by helping them make smarter financial choices and reach their personal goals. We’ve had clients confess to dreams such as living in the British Virgin Islands and running charters off the beach, or just spending their days working on cars. Our response is, “If that’s what you want to do, why aren’t you doing it?” We often find that people need permission to live their dreams, and we can give them that permission, along with a clear plan to make it happen. We celebrate every client’s success, and these stories are just a few examples of how our clients’ lives have been changed by our simple financial plans.
* Please note that individual situations can vary and some strategies may not be suitable for all investors. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. All names have been changed for our client’s privacy and protection.
When John and Sarah were introduced to our firm about 10 years ago, they’d just received some pretty upsetting news. John had a medical condition that would eventually leave him blind. Still working at a stressful job in a power plant, John was plagued by one terrifying thought: He would never get to see the world like he’d always dreamed of doing.
John and Sarah already loved traveling, and would take road trips in their RV whenever they could to travel across the country and visit their family. But his work limited how often they could do this. The more we talked about their dreams, the more concern they expressed about losing the ability to see new sights as John’s vision continued to decline. We then asked the question, “What’s the point of retirement if you’re not able to enjoy it?”In their 50s, they started talking about retiring early. We worked with them on their retirement spending needs, and it quickly became clear that those dreams of early retirement wouldn’t be possible with their current financial resources. But we worked hard on a path that could make it possible for John and Sarah to enjoy retirement before he lost his sight.
They downsized their home, moved to a new neighborhood, and focused on their spending habits. Now, John’s retired, and they’re enjoying a fulfilling and wonderful retirement together, traveling in their upgraded RV and truck, tending their vegetable garden at home, and spending time with their grandchildren. He’s even written a book! We work with clients to prioritize their goals and dreams to create a fulfilling financial plan. Though his diagnosis required a drastic change in their initial retirement plans, they’re both able to get more out of those years thanks to careful planning and hard work to follow their new financial life plan.
Sam had retirement on the horizon after working for the same job for decades. He and his wife, Elaine, sat down with us to talk about their retirement, and it soon became clear that they didn’t know what they wanted to do with their retirement years. Like many people who come to us, Sam and Elaine viewed retirement as simply not working. They’d never really considered what their life would look like beyond not going to work every day.
We went through the financial life planning process, and it came up that Sam had an interest in owning cattle. This was something he’d never done in his life, but it appealed to him as a nice way to retire—a little, quiet dream that he’d never really allowed to flourish. However, it wasn’t something they were interested in pursuing at that time. So Sam and Elaine got set up on a financial plan focused on their current living situation and went to work implementing it. Nine months later, they reached out to us to discuss changing their plan; that idea of the cattle ranch had taken root in Sam’s mind, and they wanted to explore the possibility further. We sat down with them to start reworking their financial plan to make this possible for them in retirement.
The trouble was, Elaine wasn’t as committed to this cattle ranch idea as Sam was. A bit like Oliver and Lisa on Green Acres, her husband’s interest in the country life clashed with her love of city comforts. We continued working with them and, eventually, they found a lovely home on a small piece of rural property. They don’t have any cattle, but this compromise between husband and wife allows Sam to have that feel of a quiet, rural retirement he’d been dreaming of while allowing Elaine to stay close to the city.
Yvonne was a single woman who was well situated and very content in the simple life she chose to live. As we talked to her about her passions and finances, we discovered that she had a passion for supporting missionaries and those in need. Charity was a driving force in her life, so we began to talk to her about the possibility of using more of her funds to support causes that mattered to her. We helped to create a financial plan that protected her and ensured she was financially secure while also allowing her to support more charities. Now, she can enjoy seeing her funds help those in need and bring happiness to others, which was a priority for her. But at the same time, she can feel confident that her giving heart isn’t going to leave her without the funds she needs to live comfortably.
It’s time to live the life you’ve been dreaming of, the right plan will get you there. At Cure Financial, we can help you find a financial life plan that gets your life pointed in the direction you want it to go.Contact us today to get started.