How to Choose a Financial Advisor

By: David Harris 7 Fundamental questions to answer when searching for your perfect fit. In today’s financial world there are so many choices and so much information. It is very difficult to make a choice on where to get help, from whom, and how much to budget for the service. Like most things in life, when there is a problem to be solved or a project to be done, we have to decide if we are going to DO IT OURSELVES or seek for outside help.   Question 1. Do you need a Financial Advisor? In my teenage years and
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Categories: Financial Advisor and statera.

Avoid Triple Bogeys

For those of you that play golf, I’m sure you can relate. Triple bogeys can sometimes be difficult to recover from. When I first started playing golf, I hired a golf coach for a span of a couple years while playing for the high school team. There is one piece of advice that sticks out to me to this day.   It’s not about hitting perfects shots. But rather, it’s about avoiding catastrophic ones. In my opinion, this principal of avoiding the catastrophic shots is the primary difference between the pros and the amateurs. The pros know course management better
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Categories: Financial Advisor and statera.

Having a Plan B

By: Tony Christensen 3/9/17 Last month my family and I spent a weekend in Kanab to see the Balloon Festival and visit the surrounding parks. Unfortunately, the weather was stormy, as we experienced rain and even snow. After a weekend of family fun we had two choices to get back home: Go the long way back through Kanab, or Cut directly to Colorado City on a dirt road I’ve never travelled. The park ranger advised, “I think you will make it, if you have four-wheel drive.” I must admit, the words “I think” were not the most comforting, but we
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Categories: Financial Advisor, Financial Group, and statera.

It is Human Nature to Protect

By: David Harris 2/27/17 Anyone that has grown up in Utah knows that your 15th birthday is a critical milestone. At this delicate age, my sweet daughter is now able start her training to attain her driver’s license. As her father, I am so happy to teach her all about the operation and management of a motor vehicle. This past weekend we embarked on our first training exercise. All I could think of was how grateful I was for all the safety features in place to protect us! And how thankful I was that we have insurance! We put on
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Categories: Financial advise, Insurance, Safety, and statera.

BONDS AND MEDICATION – Conditional Responses

By: Tony Christensen Over the past couple months, my family has been plagued with sickness. It started with my kids, worked its way to me, then finally moved on to my wife. Unfortunately, each of us a had a different illness but my wife had the worst one- mono! It has been fascinating to hear those around us diagnose our problems and offer suggestions of how to relieve our pains. Although not everyone has offered the same advice, the majority have had the same theme, “take medication!”   The answer is always meds Our society has been conditioned to think
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Categories: bonds, Financial advise, and investment allocation.

Get The Whole Trust Package

By David Harris   Over the past 6 months I have had to replace 3 different computers. My work computer just stopped working, my daughter needed one for college, and our home computer was way outdated. The process of having to choose a new computer can be very overwhelming. I am a bit of penny pincher so I always search for the best deal. I don’t want to spend too much and I don’t want to get taken for a bad deal but I want to ensure I have everything I need. On many occasions, I have upgraded my old
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Categories: Trusts.

What do you mean a trust? Part 2.

By David Harris 2/2/17   Last week’s article was all about “Revocable TRUSTS” and many of the basic reasons why we may want to have a trust as the central piece of our estate plan. The article touched briefly on one of the most essential parts of the trust creation, which would be “FUNDING a TRUST”. Why is this so important? The Importance of Funding a Trust Imagine designing and building your dream home. You would spend a great amount of time, effort and expense to ensure that your new home was perfect. Now the time has come to move
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Categories: Financial advise and Trusts.

What do you mean a “TRUST”?

by: David Harris 1/25/17 First things first! Last Sunday a friend of mine asked me why I didn’t write an article in the Spectrum this week. Surprised, I replied that I had written about my family winter camping trip. After many humorous comments from friends and family, we discovered that my article was printed… But my business partner’s picture was displayed as the author. We apologize for the mix up! And Tony is grateful to know that he has 2 kids and not 6 kids, as stated in the article! Now let’s talk Trusts. What is a trust? Revocable Trusts
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Categories: Financial advise and Trusts.

Identify Risk Tolerance in 2017

By: Tony Christensen 1/12/17 The beginning of a new year brings excitement about change, getting organized, and accomplishing more. Typically, a large focus is placed on the topic of personal finances with a hope to increase efficiency. Entering 2017, there are several factors to consider. President-elect Trump will be bringing an entirely new style with new procedures and governmental involvement. So far much of the corporate world seems to be receiving him well and this may drive growth and prosperity for much of the early 2017 year. However, if the Fed ends up having a lot of push-back against this
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Categories: Uncategorized.

Fees – Are you paying too much?

By: Tony Christensen 1/5/17 During the early years of my married life, I was a Mr. Do-It-Yourselfer. We didn’t have the money to hire everything out, but we still wanted certain things done. This led me to watch a number of Youtube videos as well as get advice from my Dad on how to complete certain tasks. As time has passed and income increased, I have done less and less do-it-yourself projects. I find it interesting that as I get older, I place increased value on hiring help that I can trust and those whom I can count on to
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Categories: Fees, Financial advise, and Financial Advisor.