June/July 2025 | Issue 27

Talk about money.

Talking about money isn’t as easy as it should be. So without immediate pain, we often kick the can down the road until the day the can kicks back (usually twice as hard).

Avoidance may feel easier now but, even when it comes to even a modest estate, nearly all of us would prefer some say in our own financial destinies. Thus, the awkwardness of starting difficult conversations pales in comparison to the powerlessness that follows avoiding them. Fortunately, our team can help.

SIX MONEY CONVERSATIONS FOR FAMILIES

Planner Spotlight

John Lyon

Financial Consultant

Share the whole picture.

Financial planner John Lyon knows most clients worry about their overall financial outlook. One sure-fire way to ease those concerns is simply by making sure your financial advisor has a complete view of your financial picture.

“It can seem painful and time-consuming to take the time to provide an advisor with details of your liabilities, assets and immediate or future concerns you have,” he says. However, he adds, the time you spend doing so can have significant benefits.

“An accurate understanding of your fiscal outlook is central to effectively applying financial strategies like debt consolidation or mortgage refinancing and for planning for future expenses like college funding and retirement,” he says. Omitting details or avoiding conversations isn’t just embarrassing. What you’re not sharing could end up derailing your financial plans and future.

DON’T KEEP YOUR ADVISOR IN THE DARK

Reach Out With Questions

803.343.0393

information@firstcommunityfc.com

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Community Financial Consultants is another business name of Independent Advisor Alliance, LLC. All investment advice is offered through Independent Advisor Alliance LLC, a registered investment advisor. Independent Advisor Alliance is a separate entity from LPL Financial. First Community Bank and First Community Financial Consultants are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Community Financial Consultants, and may also be employees of First Community Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Community Bank or First Community Financial Consultants. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency

Not Bank Guaranteed

Not Bank Deposits or Obligations

May Lose Value

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