{"id":703,"date":"2017-03-10T06:00:21","date_gmt":"2017-03-10T11:00:21","guid":{"rendered":"https:\/\/briofp.com\/?p=703"},"modified":"2017-03-09T20:25:03","modified_gmt":"2017-03-10T01:25:03","slug":"there-are-worse-things-than-going-to-see-a-financial-advisor","status":"publish","type":"post","link":"https:\/\/briofp.com\/there-are-worse-things-than-going-to-see-a-financial-advisor\/","title":{"rendered":"There are worse things than going to see a financial advisor!"},"content":{"rendered":"

Hello!<\/p>\n

A lot of people dread the idea of seeing a financial advisor.<\/p>\n

But as one of my best friends frequently says: “The truth will set you free”.<\/p>\n

And this month I debut a new feature called “What I am Reading”.<\/p>\n

Read on to learn more.<\/p>\n

Best,
\n<\/p>\n

Michelle Morris, CFP\u00ae, EA
\nBRIO Financial Planning<\/p>\n

 <\/p>\n

Recently clients sent me the following cartoon:<\/p>\n

\"\"NON SEQUITUR \u00a9 2017 Wiley Ink, Inc.. Dist. By ANDREWS MCMEEL SYNDICATION.
\nReprinted with permission. All rights reserved.<\/span><\/p>\n

 <\/p>\n

They did say not to take it personally!<\/strong><\/p>\n

I love this cartoon, even if it does suggest that going to hell would be preferable than coming to see me!<\/strong><\/p>\n

There are a lot of reasons people dread the idea of talking to a professional about their finances. <\/strong><\/p>\n

There is a general taboo in this country about talking about money.<\/strong> We’ve all heard the adage not to discuss money, politics or religion at a dinner party.<\/p>\n

Maybe thinking about money stirs up negative emotions dating back to childhood.<\/strong> Perhaps your mother was an extreme miser or your father spent most of his paycheck on booze.<\/p>\n

Maybe you are fearful of running out of money<\/strong> and becoming a bag lady. It’s easier to ignore the fear rather than facing it.<\/p>\n

Maybe numbers hurt your head.<\/strong><\/p>\n

Maybe you’re busy and think “it will all work out somehow”.<\/strong><\/p>\n

But it’s impossible to avoid life’s twists and turns and nearly all of them involve questions about money.<\/strong><\/p>\n

How has my financial and tax situation changed now that I am married\/a parent\/divorced\/widowed?<\/p>\n

What funds should I pick in my new job’s 401k plan?What should I put on my new job’s W-4 form?<\/p>\n

What should I do with the old job’s 401k plan?<\/p>\n

Will I ever be able to retire?<\/p>\n

Should I contribute to an IRA? What kind of IRA? Where should I get an IRA?<\/p>\n

Uncle Horace died and left me money, what should I do with it?<\/p>\n

What should I do with the dusty stack of savings bonds from Aunt Louise?<\/p>\n

Do I need a will? Do I need a trust? Where should I go to get either?<\/p>\n

Do I need life insurance? How much? What kind?<\/p>\n

What happens if I get sick and can’t work?<\/p>\n

Do I have the right mix of investments?<\/p>\n

I’m worried the stock market is going to crash, what should I do?<\/p>\n

How can I get better return on my portfolio?<\/p>\n

How can I lower my tax bill? (Likely your largest bill!)<\/p>\n

Should I buy a house? How much house can I afford?<\/p>\n

Should I pay off my mortgage? Should I refinance my house?<\/p>\n

Should I buy a second home?<\/p>\n

Should I buy the annuity my brother-in-law Bob is trying to sell me?<\/p>\n

How should I save for college?<\/p>\n

When should I start taking Social Security?<\/p>\n

The list goes on and on and on.<\/strong> It’s overwhelming. It’s anxiety producing.<\/p>\n

But it’s not quite as bad as eternal fire.<\/strong><\/p>\n

As another of my friends says “The way to eat an elephant is one bite at a time”.<\/p>\n

Comprehensive financial planning can help you answer all these questions, one at a time, in the context of your<\/strong> big picture. And I’m pretty sure most of us have comfortable climate-controlled offices. \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

Hello! A lot of people dread the idea of seeing a financial advisor. But as one of my best friends frequently says: “The truth will set you free”. And this month I debut a new feature called “What I am Reading”. Read on to learn more. Best, Michelle Morris, CFP\u00ae, EA BRIO Financial Planning   […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[10],"tags":[],"featured_image_src":null,"featured_image_src_square":null,"author_info":{"display_name":"Michelle Morris","author_link":"https:\/\/briofp.com\/author\/briofp1\/"},"_links":{"self":[{"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/posts\/703"}],"collection":[{"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/comments?post=703"}],"version-history":[{"count":13,"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/posts\/703\/revisions"}],"predecessor-version":[{"id":726,"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/posts\/703\/revisions\/726"}],"wp:attachment":[{"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/media?parent=703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/categories?post=703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/briofp.com\/wp-json\/wp\/v2\/tags?post=703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}