Greetings!
Greetings!
The new year is a good time to set new goals, both personally and professionally, to gain a new perspective and renewed enthusiasm.
If you have not already done so, it's a great opportunity to take the time to decide what your financial objectives are and how you might like to improve your financial position. We look forward to discussing this with you throughout the year!
We hope you were able to ring in the New Year in a meaningful way. In this new year, we wish you happiness, love, laughter, health, wealth, and time well spent with family and friends.
The Financial Steward Associates Team:
Marion, Heather, Nicole, Lindsay S, Lindsay M, Harmony, and Stephanie
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"Be at war with your vices, at peace with your neighbors, and let every new year find you a better person."
-Benjamin Franklin
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News and Events
January 2022
Issue #113
To support the safety of all our community members and in accordance with Boulder County Public Health, we will require wearing a mask in the office for all individuals regardless of vaccination status. We will continue to follow state and county guidelines and will keep you updated.
When you schedule with us, please know you always have the option to continue virtual meetings as we understand that everyone's needs and levels of comfort are different.
Important Dates:
Important Updates:
To increase the online security for all our clients, the primary way of sending Financial Reviews or other financial documents is changing. We will now be uploading these documents to your LPL Financial Account View. We will let you know when there is a new document to view and/or download from Account View.
If you still prefer to receive these documents via email, we can send them encrypted. Please let us know if you prefer this.
Please reach out if you have questions or need help logging in, accessing, or retrieving documents from your Account View.
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Tax time is upon us! Please access this LPL tax guide which includes all the information you may need, including dates, deadlines, and addresses some frequently asked questions. |
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New Team Member: Stephanie Deon |
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We are pleased to announce we have a new member of the team. Stephanie joined the FSA team in December 2021 as a Client Service Associate.
Stephanie has over fifteen years in the financial services industry. Throughout her career she has worked both in the data integrity role as well as in client servicing roles. She brings along not only her experience but a positive attitude and a passion to grow with our team.
Stephanie joins our team remotely from upstate New York, where she lives with her husband, Stephen.
Make Stephanie feel welcome and say hi!
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If you have questions or requests and aren't quite sure who to reach out to, here is an updated list of who can be of service to you. Just click on our name to send us an email! |
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with questions about your investments and Financial Planning requests
with questions about your investments and Financial Planning requests
with questions about your investments and Financial Planning requests
with research questions, Financial Planning requests, and meeting follow ups
to schedule an appointment or get answers on general information and special events
for opening new accounts and facilitating account transfers, coordinating
contributions and withdrawals,
and scheduling Financial Reviews
Don't forget we also have a general email box!
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Are You Ready? National Financial Wellness Month Is Here! |
When it comes to New Year’s resolutions, most Americans focus on losing weight or improving their health and fitness1. Staying healthy is extremely important—especially during a pandemic! But financial wellness is also important. We’re now in National Financial Wellness Month—and the timing is perfect. January is when we feel the impact of our holiday spending, start organizing our tax documents, and begin making plans for the year ahead. Maybe this is the year we’ll be able to reunite with family and friends on a well deserved vacation—or pay off a loan that has been adding to our stress levels.
Check off your financial goals
Checking off financial goals can help provide confidence. And, if financial wellness wasn’t one of your resolutions for 2022, it’s not too late to start! Financial wellness goals vary by personal circumstances, so there is a lot to consider along the way.
Here are some financial wellness actions to consider for 2022:
- Create a financial plan and learn more about your financial options—and potential obstacles. LPL has provided online articles, videos, tools and other resources to help you make your financial plans.
- Consider age-based milestones as you plan your financial future. Where do you want to be financially in 10, 20, or 30 years?
- Set a budget and track your spending, considering ways to save money. Cutting back on nights out, or eliminating any subscriptions or other services you seldom use might be a good start.
- Add to your savings to address your short-term and long-term goals.
- Evaluate your net worth and create a net-worth statement to review and update regularly.
- As you prepare for retirement, do what you can to take advantage of compounding earning potential in your 401(k) account.
- Be prepared for emergencies and unexpected expenses by creating (or adding to) an emergency fund to cover at least three months of living expenses.
- Take steps to pay off your debt.
- Add notifications or reminders to your digital calendar to nudge you to take care of upcoming expenses, such as estimated tax payments.
- Review your portfolio regularly and work with a financial professional to help work toward your goals—especially if you need help with legacy planning or other potentially challenging situations.
- Periodically check your credit report to ensure there are no errors, and use it as motivation to pay your bills on time and stay within your credit limits. You can request a free credit report every year from Experian, Equifax, and TransUnion.
It may seem like a long list, but financial wellness is well worth it! For deeper insights into your financial situation, consult a financial professional.
Important Disclosures
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal.
This material was prepared by LPL Financial.
Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL Financial affiliate, please note LPL Financial makes no representation with respect to such entity.
Not Insured by FDIC/NCUA or Any Other Government Agency
Not Bank/Credit Union Guaranteed
Not Bank/Credit Union Deposits or Obligations
May Lose Value
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Financial Steward Associates
303-444-5440
fax 303-444-6049
Jackson, Lincoln Financial, Pacific Life, Prudential, Financial Steward Associates and LPL Financial are separate entities.
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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Financial Steward Associates, a registered investment advisor and separate entity from LPL Financial.
The information contained in this e-mail message is being transmitted to and is intended for the use of only the individual(s) to whom it is addressed. If the reader of this message is not the intended recipient, you are hereby advised that any dissemination, distribution or copying of this message is strictly prohibited. If you have received this message in error, please immediately delete.
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