Still from No Coincidences

What is your superpower?

Use it for greater health & wealth or go to the darkside…

There are seven human natures and iconic superheroes that match each one. Coincidence? Not at all.

Which is most like you and how are you best motivated to create your higher life? Take our survey to find out, then watch the video for financial insight like you’ve never heard.

 

Evolve with your money

Evolve with your money.

Your map to financial independence and beyond.

Traditional financial planning often starts with your goals for the future: retirement, educational costs, increasing wealth, making a big purchase such as buying a home, off-setting taxes, starting a business, and so on. These goals are often compartmentalized which, in addition to them being off in the future, can leave you disconnected from your money and unable to stay motivated to stick to the strategies you’ve developed for each distinct goal. It’s like suiting up to play all sports all at once, getting tangled in the equipment, becoming immobile and frustrated so you quit.

We’re different. We’re an active, health-oriented financial planning coaching, and wealth management company rooted in the belief that you, your well-being, and your nature matter most in your financial strategy. Through twenty years of experience we have come to believe that a balanced, ethical, and sound financial strategy is one that integrates your life now with your future goals and evolves organically with you and with systems of money, value, and trade. We have developed a process for evolving with your money which helps keep you connected, focused, and engaged in your finances as you pursue wealth-building. Evolving with your money means you are not a slave to it. Instead you are accessing your money as a source of creative energy providing you with greater confidence, a stronger connection with yourself and others, and an increased capacity to live the life you want to live.

There are seven financial levels, and you likely have already experienced several of them. They are in a particular order because evolving with your money means intentionally moving from your current level to a higher, better level as your finances and your experience with your money improve. To move raise your level you will cultivate and leverage certain appropriate skills and tools that become available as you evolve.

Equally important as the financial levels is your natural relationship with money, your very nature. The ways in which you experience each financial level and the specific skills you practice must honor your nature. Success can’t depend on you becoming someone else, and there is no one-size-fits-all financial management approach. There are seven natures, each as valuable as the rest; there is no hierarchy. Our method for a healthy financial practice begins with embracing your nature followed by dreaming of your highest life. From there we create with you a roadmap for your financial evolution.

No matter who you are or what financial level you currently live within, you can evolve with your money and experience a healthier, wealthier life. Some people choose to remain in a comfortable financial and emotional rut or give in to thinking that’s just how life is. Our diverse clients know there is always something more just beyond the next curve which keeps them motivated through their financial journeys. They trust us to be their personal finance coach and help get them there. From pre-investment positioning to wealth management, diversifying income and unearned income to retirement planning, investing, saving, and staying true to your financial strategy when making a large purchase, we offer reliable, honest, personal support as well as highly professional services to help you evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

No strategy or process assures success or guarantees against losses.

7 Reasons We Speak Financial Truth

 

The self-help industry, which includes the personal finance sub genre, is an $11 billion machine; that’s $11 billion annually. This would suggest that despite the sea of gurus offering up their best advice there is something missing.

We believe the crucial element they miss is you, so we’re writing a book about it. Here is why we’re writing it:

1. Gurus Fail. Every single person is born with a certain nature which shapes perspective, experience, beliefs, and behavior. The experts, no matter their area of expertise, also have a nature which is the foundation for their advice. If your nature isn’t the same their advice likely won’t work for you, or their advice may get you through one issue or crisis but doesn’t help when the next crisis comes along. You’re stuck living life from one issue to the next, seeking wisdom from limited sources over and over again. (Maybe that’s why people spend so much on self-help books?)

2. Patterns Repeat. Nothing is ever really new- look at the fashion world! Or look at this previous post about the 7 year cycles in finance. Recognizing your personal patterns and the patterns present in all areas of life empowers you to nurture those that benefit you and break & release the ones that don’t. Decisions are easier to make, opportunities easier to recognize. Approaching your finances, or anything, as if the current context exists in a vacuum can be disastrous, just ask people who heavily invested in the tech bubble.

3. Efficiency Addiction. Look around and notice all the busy people, the companies whose employees are expected to do more with less time & compensation, automizing that which used to be human interaction, and the pervasive expectation that things get done faster so that more can get done. Our culture is addicted to efficiency: a society so busy it tries to meet the human need for nutrition with frozen dinners and fast food, for example, and it’s making us sick and tired on both the public and individual levels.

4. Saving Yourself. There is no cavalry; they’re off somewhere being busy! And the gurus are short-sighted though well-intentioned. In a way you need to be your own superhero, and fortunately that’s not only possible, it’s intentional. You see, you have a specific nature which has a positive side and a negative side. The self-help/personal finance gurus have no way of knowing who you are, in fact many most likely don’t know their own natures, why they keep saying the same things, and debating each other over who is right. (Hint: they’re all right- for themselves.) We’ve developed a tool to find your nature; you can access it here.

5. Creating Value. You’ve probably heard or seen inspirational quotes telling you something about being able to use your attitude to create a good life- but not telling you how. Well, you can create more of what you love, more of what you want but without knowing how you’ll likely stay in a rut. Our book is being written to show you how. (This is also the foundation for our financial advisory, management, and planning business.)

6. Not Alone. Humans are social creatures; we don’t do well when totally alone. Yet we’re socialized to believe that “if it is to be, it is up to me,” so we keep on buying the self-help books and try to transform our lives alone. Without the help & support of others you can’t reach your highest level. And if your motivation for reaching a higher level is all about you rather than about you as part of a social system, (part of a team, family, community, etc.), you will end up with a corrupted version of your higher self.

7. Fulfill Your Next Vision. Instead of living life as a series of crises, ups & downs, one after another, we suggest turning those ups & downs on the side. Now they’re lefts & rights, the flow of life as a series of intentional, informed choices. And instead of an ultimate vision that can seem unattainable, we focus on your next vision, then the next and the next. And they add up over time.

Have you been so let down by your gurus that you’ve accepted a life that is less than you want it to be? Do you have a next vision for your money? For your relationships? For your health? Time management?

This is why we’re writing this book.

Know yourself, know what you want, find the right coach, evolve with your money!

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advise or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

No strategy or process assures success or guarantees against losses.

 

7 Steps to Evolve Intentionally: It’s More than Money

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Is your life as good as it could be? Quick check: your finances, relationships, health, time- all good? Or are there one or more areas that could be better? Whether you know it or not your life is evolving, unfolding, and sometimes patterns repeat keeping you stuck in the same familiar hamster wheel. There is a way to consciously, intentionally move past the things that hold you back.

No matter which area of your life you’d like to improve the foundation for evolving is the same: you’ve got to know who you are and what you want. Here’s an overview of what’s next:

1. React. Getting stuck in an unhealthy rut, no matter what type, will stagnate even the most driven people. And that causes another tier of misery! So react. Get it out. Get it out of your head and onto paper. This way you’ll free yourself from the thoughts that go around and around, filling your mind with clutter and leaving no space for creative thinking. Write it all down so it no longer owns you.

2. Feel. Emotions are natural; stifling them is unhealthy. Allow yourself to feel what you need to without giving in to depression or anxiety. Use the writing from earlier to create for yourself a picture, a map, or a story of your present reality. Extend it so you can see the situation over time. A feeling of neutrality will develop so you can see the forest for the trees. Ask yourself what you’d rather experience instead and create a new vision.

3. Work. Your vision for yourself is your direction, so what you do, say, choose now is all pointed in that direction. Practice new habits that make your life easier, balance your need to work with the needs to be loving, healthy, and present, and lighten up. Enjoy the freedom of being free from the revolving door of reactions and emotions. Instead you are laying the groundwork for life at a higher level.

4. Save. Now things are starting to shift & change- remember to choose calm over fear. Save and protect only what you need, only those who want to be saved & protected, and stay connected to the resources that give you energy and joy. Be aware that saving too much becomes hoarding which will entrap you and suck up any surplus time, energy, or money you’ve saved thus far. Keep your vision close so you don’t get stalled out when you start to experience better.

5. Invest. Now you’ve got some momentum. Notice what makes your life worth living and apply your resources & passions to what matters to you. Investing can refer to your money, but you can also invest your time, your energy, your relationships- you have the capacity to use your resources to create more of what you value! Doing so while a with your vision will give you a new source of energy that motivates and validates. It may be tempting to cruise here for a bit, but don’t get stuck. Getting stuck will result in experiencing the opposite of what is so great right now! Keep moving.

6. Leverage. Turn your attention to what makes your life easier. Do you now have more time, more energy, more financial confidence? Use the results of your invested resources to free yourself from stress & burden. Start collaborating with others so that you may experience even greater ease, create more value, and lift each other to a higher level as a result of combined strengths and resources. At this stage you’ve moved through some significant peaks & valleys, and it’s time to reflect on how fortunate you are and sharing that with others. Again, don’t get stuck here! There is one more step.

7. Give. Well, you’ve made it. This stage is reached when you’ve realized your vision, and it’s time to give back to others. It may be money, your time, your wisdom, your attention, any of your resources. Give them back because you’ve got plenty to share. You’re at the top of your mountain, and it’s good! Be grateful & humble.

And repeat. That’s right. Life continues to evolve and unfold, so when you reach the 7th stage it’s time for another adventure. Apply the same principles and you’ll empower yourself to experience a lot of satisfaction, security, joy, ease, and gratitude. You’ll grow beyond ruts and no longer be bonded to your emotions. Not a bad prospect!

Know yourself, know what you want, find the right coach, evolve with your money!

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advise or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

No strategy or process assures success or guarantees against losses.

 

 

 

Master of Flow or Head in the Clouds: the Seventh Paradigm

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Do you have a strong intuition? Do you tend to assume a leadership role? Are you a visionary? Can you see beyond the now to what could be? Do you give your time, attention, money, and energy to others?

You were born with one of 7 ways of relating to the world and everything in it, and if this sounds like you it may be your paradigm: the Giver. Givers are just that: natural givers. You want to make the world a better place and want to dedicate your resources to others. You are able to envision a future and help make it a reality. You are a natural leader and inspire others. When you are at your best you feel much gratitude. You are much more able to reach a flow state that people within the other paradigms, that time when you are completely in synch with what you’re doing like great artists, musicians, athletes, etc. You are naturally able to get into “the zone” where everything just comes together.

Every paradigm has a dark side. You can be so focused on “the zone” that you are blind to what’s happening around you. You can give until you have nothing left- money, time, energy, and otherwise- which ultimately makes you a martyr. If you are giving to others so that you’ll get something back from them you’ve become manipulative or passive-aggressive. Some gifted Givers have tons of great ideas that never, ever go anywhere. This is often due to the fact that Givers often have a hard time accepting help from others because they see themselves as the ultimate helpers. Some Givers give to others to make their lives manageable, and that’s just enabling. Sometimes Givers in dysfunction become isolated because they can only do half of the give-and-take necessary for relationships.

A healthy Giver can balance their desire to give with the need to receive, replace, and restore. When people are stuck in this paradigm they end up with a diminished capacity to experience their passions and an ever-smaller ability to give. Evolving for you means increasing your ability to experience the things that matter most to you and fueling your ability to give. It’s good practice to ask yourself these questions:

  • How are my finances? Could that part of my life be better? What would that look like?
  • How are my relationships? Could that part of my life be better? What would that look like?
  • How am I experiencing my time? Could that part of my life be better? What would that look like?
  • How is my health? My nutrition? My fitness? Could that part of my life be better? What would that look like?

It is very likely that if any part of your life isn’t what you’d like it to be and you’ve experienced the same things over and over again, you’re stuck. The stress & frustration being stuck causes isn’t necessary, not just the way it is. You can evolve into your higher self, the version of you who uses your strengths to live the life you want rather than what’s left over.

The first step is to really know yourself. Take our paradigm survey to find your nature and reach out to us with your questions.

You can evolve.

Know yourself. Know what you want. Find the right coach. Evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial. No strategy assures success or protects against losses.

Thrill Ride or Ego Trip: the Fifth Paradigm

unnamed Sound familiar? Do you have lots of energy? Do the things you do give you more energy? Are you typically pretty successful, able to reap & enjoy the fruits of your labor? Do you invest your time, energy, and money in ways that give you back more of the things you want? Do you look for the next big opportunity and make the most of the opportunities that come your way?

You were born with one of 7 ways of relating to the world, and if the above sounds familiar you might just be a natural Investor. You understand the value of getting something valuable back from what you put into situations, relationships, your health, finance, and everything in life. You aren’t inclined to simply save your money but put it to use creating more money, and you like to enjoy your money as well as your time, your relationships, your health & energy. You can be fun to be with, and you value productivity.

There is a dark side to this paradigm as there are with all the others. A dysfunctional Investor is easily addicted to substances and to adrenaline. Some gamble away their cash or lose everything due to speculative investing. Your behavior can be erratic when looking for the thrill. If your investing is all about your personal gain then it’s all about the ego vacuum, feeding the ego rather than providing more time, energy, wealth, and opportunities for yourself and those around you. Getting stuck in this paradigm is easier to recognize than being stuck in the Saver paradigm because the consequences are often catastrophic: you could lose everything that matters to you if you spin too wildly out of control.

A healthy Investor knows the line between the healthy pursuit of greater value and impulsive, unhealthy pursuit of more and more. Evolving means increasing the capacity for healthy investing, experiencing greater joy, and creating more ease in daily life. You can start by asking yourself these questions:

  • How are my finances? Could that part of my life be better? What would that look like?
  • How are my relationships? Could that part of my life be better? What would that look like?
  • How am I experiencing my time? Could that part of my life be better? What would that look like?
  • How is my health? My nutrition? My fitness? Could that part of my life be better? What would that look like?

It is very likely that if any part of your life isn’t what you’d like it to be and you’ve experienced the same things over and over again, you’re stuck. The stress & frustration being stuck causes isn’t necessary, not just the way it is. You can evolve into your higher self, the version of you who uses your strengths to live the life you want rather than a life that you’ve destroyed.

The first step is to really know yourself. Take our paradigm survey to find your nature and reach out to us with your questions. Or join us for a workshop that goes deeper into the paradigms, finances, and success. 

You can evolve.

Know yourself. Know what you want. Find the right coach. Evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

Thank you to all the artists, writers, and creators who created our superheroes. You have given our culture a great gift; you are our heroes.

 

 

Saving & the Savior: the Fourth Paradigm

supermanAre we talking about you here? Do you save stuff? Do you collect things? Save animals or other people? Do you linger in unhealthy situations because you are concerned others will fall apart without you? Are you inclined to conserve your resources like time & energy? Do you accumulate things? Are you living below your means in order to save your money? Are you saving your money in things like savings accounts or CD’s? Does your savings make you feel safe, secure, and prepared?

You were born with one of 7 ways of relating to the world, and if this describes you then this may be your paradigm: the Saver. There is a positive side and a negative side, just like all the other paradigms. On the positive side, you have the ability to build a cushion through saving your money.  You are generally prepared for any eventuality and often frugal. You are able to create safety, security, and predictability. When you successfully save others- people, animals, the environment- you do a lot of good. You waste very little.

A stuck & dysfunctional Saver has an unhealthy attachment to money, people, and stuff. Unchecked saving can become hoarding and saving others can become about control. You can be greedy, taking the biggest serving at the table if you can’t have the whole thing. You can sometimes be cheap or withholding. The money you save is likely just sitting in an account or a hole in the backyard, doing nothing rather than generating more money. You may have found yourself staying in an unhealthy job situation out of fear of missing the opportunity to save more money only to have to save yourself when it gets too bad to continue! You get the idea.

Being a healthy Saver means knowing how to balance your need to save with your need to evolve. This is a paradigm that is held up as an example to which most people are told to aspire: saving your money will save you in your later years. And saving is good to a certain extent. If you get stuck in your paradigm you are actually  limiting your capacity to save: your money can’t create greater value for you in the future. It may be hard for a Saver to know when they are stuck because a big aspect of this paradigm is comfort. However, it is a good practice to ask yourself these questions:

  • Is saving what & as much as I do propelling me forward or keeping me in one place?
  • How are my finances? Could that part of my life be better? What would that look like?
  • How are my relationships? Could that part of my life be better? What would that look like?
  • How am I experiencing my time? Could that part of my life be better? What would that look like?
  • How is my health? My nutrition? My fitness? Could that part of my life be better? What would that look like?

It is very likely that if any part of your life isn’t what you’d like it to be and you’ve experienced the same things over and over again, you’re stuck. The stress & detachment of being stuck isn’t necessary, it’s not “the way it is.” You can evolve into your higher self, the version of you who uses your strengths to live the life you want rather than teetering on the line between saving & hoarding.

The first step is to really know yourself. Take our paradigm survey to find your nature and reach out to us with your questions. Or come to our workshop on March 28; details here.

You can evolve.

Know yourself. Know what you want. Find the right coach. Evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

Thank you artists, writers, and creators for creating the superhero that enrich our lives. You are so right-on, more than you know, and you are our heroes.

 

 

Flying High & Swinging Low: the Second Paradigm

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Is this your paradigm? Are you motivated by how & what you feel? Do you make decisions based on how you’ll feel about the likely outcome? Is your life characterized by highs & lows? Do you experience times of excitement, high energy, feeling great, and having all you need and other times of the exact opposite with very few in-between times? When you have money do you tend to spend it only to find yourself without any when you need it?

You were born with one of 7 ways of relating to the world, and if the above sounds like your life this is likely your paradigm. There is a positive side and a negative side to this paradigm just as there are with the others. On the up side, you are naturally energetic and able to fully engage with your life and those in it. You are confident committed, and you can be exciting.

Your down side is the opposite. You have no energy and can’t engage with anything that doesn’t make you feel good in some way. You can become immobilized. You can experience mood swings and become over-emotional. Sometimes you may manipulate others to get what you want which is often positive emotions. You can be an emotional spender, spending your money on things that make you feel good at the time and setting yourself up for the financial low of not having money for the things you need.

Emotions aren’t bad, nor is spending money. There are times when your feelings are critical, and you can spend your money on things that can create more value to you for the long-term. It can feel natural to live in your constant ups & downs, but that may be a form of giving up or giving in to your nature, and that boils down to being stuck in it. Is the up & down of your life propelling you or keeping you in the same place endlessly? Freeing yourself from this cycle will start your personal evolution which will naturally give you more of the ups and fewer of the downs. Ask yourself:

  • How are my finances? Could that part of my life be better? What would that look like?
  • How are my relationships? Could that part of my life be better? What would that look like?
  • How am I experiencing my time? Could that part of my life be better? What would that look like?
  • How is my health? My nutrition? My fitness? Could that part of my life be better? What would that look like?

It is very likely that if any part of your life isn’t what you’d like it to be and you’ve experienced the same things over and over again, you’re stuck. The stress & frustration of being stuck isn’t necessary, it’s not “the way it is.” You can evolve into your higher self, the version of you who uses your strengths to live the life you want rather than life on a roller coaster.

The first step is to really know yourself. Take our paradigm survey to find your nature and reach out to us with your questions. Or come to our workshop on March 28.

You can evolve.

Know yourself. Know what you want. Find the right coach. Evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

No strategy or process assures success or guarantees against losses.