Cass is Taking her own Retirement Advice

Holiday Watercolor painting by Cass Grange

December 2025



Greetings!


Life Goes By Faster Than You Think


I will be 63 in April, and I have decided to step back from work a bit. Starting in January I will work on Tuesdays, Wednesdays, and Thursdays. To put it another way, I am going to have 52 four-day weekends to enjoy the beach with my husband Tom. We also want to enjoy and be present with our grandchildren. (We are expecting another granddaughter in February!) This aligns with another of my beliefs: gradual is better. I do not want to go from working 50 hours a week to zero. Practicing a lifestyle change is a good idea before changing everything about your life.


What this means for you


While my availability will be limited to Tuesday through Thursday, Bleckley, Megan and any future Watercolor team members will be available Monday through Friday. We have consistently worked to improve our service to our clients each year, and that will continue.


I haven't changed. I have been preparing for my retirement since I was 16


On my first day of work in 1979 at Burger King in Grand Island Nebraska, I made $2.65 an hour. I stood by the cash register and thought, “Is this what life is really about? Working?!” I was outraged, and then my mom told me I needed to buy my own school clothes with the money I made. I told her I’d have to work 12 hours for a pair of corduroy pants, and it wasn’t worth it to me to work 12 hours for pants. I’d wear my old pants. And that was the beginning of my journey with earning and saving money, and defining my relationship with it.

 

Since then, I have always been clear that I am trading my life’s energy for money and I need to be careful about that. Tom and I want to maximize travel and fun while we both have the good health spans to enjoy our lives.

 

Retirement planning is hard when it is your own life!

 

I so appreciate the support and help of my two partners on my retirement journey. I was so surprised, after 30 years in this business of retirement planning, at how tentative I was at looking at my own life, and at my own issues. More money doesn’t make that much of a difference after you've met your goals, and my colleagues have helped me see that we’ve reached that point. So what are we working for? It is important to be clear on that point.

 

Staying Relevant

 

The first question at a cocktail party is “What do you do?” I think a better one is, “What brings you joy?” What brings me joy is helping others meet their goals and connecting with people. That isn’t going to change. Providing exceptional service and care to our clients brings me joy, and that will be the case at Watercolor Financial.


I look forward to 2026 and appreciate the opportunity to put my life’s work to good use in my own journey and to help others with theirs.


Happy holidays from Watercolor Financial!


Sincerely,


Cass, Megan and Bleckley




Watercolor Wins!


Client Kate Kortum, age 23, won the 14th annual Sarah Vaughan International Jazz Vocal Competition on November 23.

Kate is a breakout jazz vocalist from Houston, Texas. She now lives in New York City and has a master's degree from the Juilliard School, studying with some of the leading voices in modern jazz. Her first album, Good Woman (Bandstand Presents, 2023) has over 3.5 million streams.

The 2026 Calendars are Coming! Check your mail.


Our 2026 Calendars are here, and we are mailing via US mail after the 17th of December. If you don't receive yours by the end of the year, please let us know. Cass enjoyed painting all year to capture some of her trips and images of Texas.

Our Website Got a Facelift!


After a bit of behind-the-scenes magic, our site has a fresh new glow... new photos, new pages and a few new paintings. Check out the makeover:

WatercolorFinancial.com

Access your reports - Visit our web page for links to Fidelity (for access to statements and tax documents) and to the Orion portal (for access to performance reports and billing statements): Watercolor Financial website.

Q4 2025: Quarterly Market Guide


Please review this quarter's market guide by clicking here. We encourage all of our clients to review the market guide written by Rafael Villagran, CIO of Genesia Investments and investment consultant for Watercolor Financial.

 ADV P2 Firm Brochure |  Form CRS

Investment advisory services offered through Watercolor Financial, a registered investment advisor. This message contains confidential information and is intended for the recipient. If you are not the intended recipient you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. Email transmission cannot be certified to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrived late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of any email transmission sent or received. This is not a solicitation for investment advice. The contents herein should not be construed as an offer or solicitation for tax, legal or investment advice. Watercolor Financial can only provide investment advice in states where it is registered or exempt from registration. If verification is required, please request a hard-copy version. Certain information contained herein may have been obtained from third-party sources and such information has not been independently verified by Watercolor Financial. No representation, warranty, or undertaking, expressed or implied, is given to the accuracy or completeness of such information by Watercolor Financial or any other person. While such sources are believed to be reliable, Watercolor Financial does not assume any responsibility for the accuracy or completeness of such information. Except where otherwise indicated, the information contained herein is based on matters as they exist as of the date of preparation of such material and not as of the date of distribution or any future date. Recipients should not rely on this material in making any future investment decisions.