Integrating Life Planning

The small man builds cages
for everyone he knows.
While the sage, who has to duck his head
when the moon is low,
keeps dropping keys all night long
for the beautiful rowdy prisoners.
                        Hafiz

Written by Miriam Whiteley

With the yearning to fill our pockets with keys we came to our EVOKE® Life Planning 5-Day Training in Hana, Hawaii in December 2017. I flew in the night before it started, and as the sun rose on Maui, I walked to get a coffee. I looked up at the purple mountain rising before me, perfectly encircled with a ring of cloud at its very tip. “Yes,” I thought to myself, “I’m so close, and there’s still a cloud over it all—however nebulous—that’s holding me back.”

After the wild ride to Hana, we sorted out how the week would go, met our housemates and paired up with our life planners. As the week progressed it became clear that my life planner, my housemate, and I had forged a connection. Sheila, Charley, and I decided that we did not want to let the work we started in Hana wither. The three of us decided to mentor each other and keep our life plans alive. We have been connecting every two weeks by phone.

During the six-month mentorship we had a weekly conference call that shifted to a biweekly schedule through the next stage—now we’re RLP® certified but are we dropping keys yet? On our clients, and on each other? We stoked the flames of our torches and held each other’s feet to the fire of our best intentions. We shared triumphs when we saw them, but more often the achievements were so gradual as perceived from the inside that it was through the reflected praise of our trio-mates that we could see how far we’d come.

We floundered a little around the anniversary of Hana and pondered on our call what direction we wanted to take. Each of us was meeting the truth of Jon Kabat-Zinn’s line, “Wherever you go, there you are.” We’d lived our life plan, some more than less, but our life of freedom was feeling confined, bound by the inner voices that were talking about the same things they always have.

If each of us had a key we carried away from Hana (you might read it in George Kinder’s voice, as we received it), Charley’s was: “Why wouldn’t you do this, this is your life plan?” He boarded the plane for home ready to shoot out of the cave. At home, tucked back in the cave, he looked through the opening and heard the familiar refrain of his monkey mind: “It’s dangerous out there; why do I want to leave the cave again?” Sheila got right to work, fueled by the vigor fountain she tasted in Hana, and discovered her days often felt breathless. She found herself asking, “What if shortening the time horizon results in a pace that’s not authentic? We want to create flames to exit the cave, but we don’t want to burn people out!” My key was “give yourself permission to exhale—set down your sack.” The doubt door didn’t unlock with this key—”Give myself permission to do what? What if thing 1 (write a book, promote my niche) comes at the cost of thing 2 (connecting with husband and children, hearth tending)?”

We were wondering—if this is happening for us, this will happen for our clients too, right? Do we need coaches? Are we doing it wrong? We decided to life plan each other again.

If you’re game to try it with your pair or trio from your five-day, this is how it worked. We set a timeline and structure: three calls, 60 minutes each, two weeks apart. A week before the first call, we sent each other our 3Qs and HCG. Call 1: one of us did 10 minutes each of Explore/Vision with the other two (i.e., 20 minutes per person). Homework: craft two torches. Call 2: deliver torches, again each of us getting 10 minutes for the other two. Homework: notice obstacles and establish accountability metrics to overcome them. Call 3: obstacle check-in and share metrics.

The next call was with our mentor, Ed Jacobson, who had generously offered to join one of our calls. As we made arrangements for the call with Ed, he suggested we condense our anniversary torches. I found this a fabulous exercise, and a wonderful page in my Planner has the combined torch I synthesized from what Sheila and Charley created for me, a “mini-torch,” this condensed version, and a “micro-torch,” a distillation that has helped me hold fast to the key.

We shared our process with Ed, and we brought our questions. At the core of them was how to integrate life planning in a way that puts us in a flowing current, instead of furiously paddling (Sheila), going around in circles (me), or inwardly shrieking to get back on dry land (Charley). Ed, ever the sage, reminded us that we went to Hana on purpose and took home the experience of the value of clarity. He urged us to recommit to practices that strengthen equanimity and awareness, to help us listen to these inner voices with empathy and go about the next step of EVOKE: knowledge. With better data and reconnaissance, we can leave the cave.

We’re onto the next phase of our biweekly calls and have settled on holding each other accountable to doing a Sunday Review, and setting three desired outcomes for life, work, and personal realms. We’ll approach the call by sharing first, “I’m going to . . . (examples: tell you why I didn’t do the Sunday Review, or share three outcomes).” I’d like you to . . . (gauge progress, sense alignment, reflect praise)” so the other two know how to listen. It’s a work in progress, as are we all. For now, we’re delighted to be rowdy prisoners on this adventure together.


Biographies

Charley Herbert,CFP®  is the Director of Sales and Marketing for Bradley, Foster, Sargent, a money management firm in Hartford, CT. Charley has 36 years of experience in the financial services industry, starting with Dean Witter Reynolds in 1983, and he’s been with BFS since 2003. Charley is chair of the board for Copper Beech Institute, a mindfulness organization based in West Hartford, CT. He is on the board of Wheeler Clinic, a mental health agency in central CT. Charley earned a B.S. in business administration from Rochester Institute of Technology and an M.B.A from California Lutheran University. Charley is a CERTIFIED FINANCIAL PLANNER™ professional. He attended the 5-day EVOKE training in Hana in December 2017 and needs the 2-day for full qualification for his RLP®. Charley is married; he and Karen have two grown daughters.

cherbert@bfsinvest.com Charley lives in Avon, CT.

Miriam Whiteley, CFP®, RLP® is a financial advisor with Roehl & Yi Investment Advisors LLC in Eugene, OR, an independent and locally owned wealth management firm that takes a financial planning approach. Miriam earned a B.S. in Business/Finance from California State University, Long Beach, and intended to have a financial planning career. Her life plan shifted to mothering and then becoming a Waldorf class teacher. About 12 years ago she read Lighting the Torch, and it reignited the spark. She made a career change in 2016, became a CERTIFIED FINANCIAL PLANNER™ professional. a Registered Life Planner and earned an End of Life Care and Support certificate to enhance her understanding of the aging process, and to be of assistance to clients at the intersection of money, health, and end-of-life issues. Miriam enjoys helping clients prepare rather than repair when dealing with the stream of transitions that aging brings. The expression of Miriam’s passion for the power of education, art and music to bring us to states of awe and connection has moved from the classroom to her volunteer work, and she serves on the Board of Trustees of a private high school serving at-risk students, on the Advisory Board of the Oregon Bach Festival and is a hospice volunteer and sings at bedside with the Eugene Threshold Singers.

mwhiteley@roehl-yi.com Miriam lives in Eugene, OR

Sheila Padden,CFP®, RLP® founded Padden Financial Planning LLC in Chicago, IL, to provide comprehensive, fee-only financial planning for individuals and families. Focused on the big picture, Sheila puts the pieces of the puzzle together to define goals, optimize investments, minimize taxes, and create a roadmap for reaching goals and financial independence. As a fee-only fiduciary, Sheila accepts no commissions or referral fees – ever. As a CPA for over 25 years, Sheila brings a long history of integrity, quality and value. Sheila is a CERTIFIED FINANCIAL PLANNER™ Certificant, a NAPFA-Registered Financial Advisor, and a Registered Life Planner. Sheila graduated with Honors from the University of Notre Dame and holds a Bachelor’s of Business Administration in Accountancy. She completed Northwestern University’s Certified Financial Planning Program, and the Kinder Institute of Life Planning Program. Sheila was the first national chair of Notre Dame Women Connect and NDWC’s Chicago co-chair for several years. Sheila has been quoted in numerous publications including the Wall Street Journal, U.S. News & World Report, and Kiplinger’s Personal Finance. Sheila has been a guest advisor on Wharton Business Radio. Sheila is married to Mike Padden and they have four children, including twins.

Sheila@paddenfinancial.com Sheila lives and works in Chicago, IL

This newsletter contains general information that is not suitable for everyone and should not be construed as personalized investment advice.  There is no guarantee that the views and opinions expressed in this newsletter will come to pass. Information regarding each of the above referenced investment advisers is available on the SEC’s Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).  Please read the disclosure statement for the investment adviser carefully before you engage that investment adviser for advisory services.

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Posted in Life planning | Tagged ,

Life Planning Success Stories


by Randy Gardner  4/19

Yesterday, I awoke in a funk, wondering how I could come up with a second case in less than a month. I had lots of work to do getting ready for upcoming presentations and, thankfully, only one meeting scheduled for the day. The meeting was with Dev (short for Devastated) at our comfortable and well-appointed satellite meeting location, about 25 minutes from our main office in Laguna Beach.

Dev is 83, has pancreatic cancer, and is still working, as he prepares to pass his property and casualty insurance agency on to his son, Dev III, who is in his 40s. The doctors “opened [Dev] up” to perform the very-risky Whipple surgery earlier this year, but the surgeon after four hours “closed him up” because the tumor was wrapped around a major blood vessel and was inoperable at that time. Dev switched doctors to a renowned surgeon who is successfully shrinking the tumor with radiation in anticipation of “going back in” and completing the Whipple surgery in late July 2018. In April, shortly after the first surgery, Dev lost his 82-year-old wife to congestive heart failure. She and Dev were married 55 years ago in Los Angeles, where they lived their adult lives.

Dev and I met to discuss trust administration issues and gather information for the Form 706 Estate Tax Return for Dev’s deceased wife. With the agency and rental properties Dev and his wife owned, their estate is valued at over $15 million. We are preparing the form to make the portability election so her $11.18 exclusion can pass to Dev. Dev wants to complete it before his surgery so, in case he “doesn’t make it,” his estate will pass to Dev III, Forlorn (their daughter), and their three grandchildren with a stepped-up income tax basis and no estate tax.

Obviously, Dev has plenty to think about, but during our meeting, I could tell something else was on Dev’s mind. So, as we were wrapping up the Form 706 discussion, I asked “Is there anything else you want to talk about?” He choked up, and I asked what was wrong. He said “It’s Forlorn, my daughter. My wife and I have owned a lake cabin with acreage in the mountains for over 40 years. It’s been in my family since it was built in the 1920s. My wife and I had some of our favorite times there and I thought the kids and grandkids had fond memories as well. When I mentioned the property to my daughter the other day, she said, ‘Dad, don’t worry about it. Dev III and I will probably just sell the property anyway.’ I was shocked. I don’t want them to sell it. I talked to Dev III. He doesn’t want to sell it!!! I don’t know what to do!!! If she is a co-owner, she could force the sale of the property. What can I do???”

I listened, nodding and saying “Oooh, no!” when he told me what his daughter had said, thinking either she is thoughtless or just trying to relieve her father of any concerns, not realizing she had probably just pushed him over the edge. I said to Dev, “I understand your concern and have some ideas, but first, with your permission, I would like to ask you some questions from the Life Planning program I am in.” He said he had no plans for the day and that would be fine. I reached into my large work bag and pulled out my Life Planning Worksheets and Torch Script from the EVOKE binder so I could do it by the book.

Question 1: I want you to imagine that you are financially secure, that you have enough money to take care of your needs, now and in the future. The question is…how would you live your life? Would you change anything? Let yourself go. Don’t hold back on your dreams.

Describe a life that is complete, that is richly yours.

He said he would spend his fortune to be healthy if he could, and then followed with “That’s actually not true. I want my children and grandchildren to be taken care of. Even as I schedule these tests and doctor visits and now this surgery, I have one eye on the bills making sure there is actually a benefit to the payments I am making so I can leave my wife’s and my wealth to the kids.” I asked about travel, and he said he and his wife did a lot of that. He loved traveling in their RV, but it is hard to do alone and too much work for him at his age. He said he really enjoys the cabin the most.

Question 2: This time you visit your doctor who tells you that you have only 5–10 years left to live. The good part is that you won’t ever feel sick. The bad news is that you will have no notice of the moment of your death. What will you do in the time you have remaining to live?

Will you change your life and how will you do it?

“I am lucky,” he said. “I have the kind of pancreatic cancer that is normally treatable by the surgery, so I am optimistic this will give me another five years.” He said he cannot travel far currently because of the treatments, but he has been spending time at the lake cabin and wants to spend as much time with his children and grandchildren in LA and at the cabin as he can. He said he wants them to love it like he does.

Question 3: This time your doctor shocks you with the news that you have only one day left to live. Notice what feelings arise as you confront your very real mortality. Ask yourself:

What did I miss? Who did I not get to be?

What did I not get to do?

Probably because it was fresh on his mind, he said he would really regret it if the lake property was developed or left the family. He said his son is mostly ready to take over his insurance business, but he would regret not helping him more. He finished with not being able to spend more time with the family.

He needed to take a bathroom break which gave me the opportunity to collect my thoughts and prepare a torch. I knew the tinder was the cabin and keeping it in the family, the insurance agency, and family togetherness. A successful surgery was there, too, but obviously that was nothing I could deliver.

When he returned, from notes, this is what I said: “If as a consequence of our work together, I/we were to deliver to you in a month, on the Sunday before your surgery, a moment when your family was together at your home for a meal. You all had just attended church, and after the meal, your son said. ‘Dad, I appreciate the opportunity I have had to work with you and all the effort you have made to get me ready to take over the business. I am ready, and I will take care of your clients like you have.’ You reminisced with the family about times when everyone was together in LA, the cabin, and on trips. Your daughter said ‘Dad, I appreciate you explaining your estate plan to all of us. I love the lake cabin, too, and understand how much it means for you to keep it in the family.’ The changes you made lay out the ground rules for using the property and ensure that the property will always be owned by direct descendants. How would that be for you?” He had already pulled tissues, but when he finished he pulled more, as did I.

When he finally spoke after almost a minute, he said, “That would be great! Can we really do that?” I felt the torch was definitely lit; with tears, he was more enthusiastic and upbeat than he had been since coming to the office.

Dev and I talked about putting a restriction in the property deed or creating an incentive trust but dismissed those options because the courts are not always favorable to sale restrictions. We discussed a detailed limited liability company agreement with rules for family usage, a lottery for holidays, and sharing of ownership expenses, similar to what we set up for vacation homes. However, we ruled that out because he prefers not to see the property rented. In the end, he directed me to draft a tenancy-in-common agreement with terms similar to the vacation home LLC agreement. We will amend the trust so that the property goes directly to the descendants as tenants in common, subject to the terms of the tenancy-in-common agreement. He will sign the trust amendment in two weeks.

Another solution to this issue is for Dev to bring the remark up to Forlorn and have Dev convey to her how much the cabin means to him and how he does not want her to sell it. Hopefully, this agreement will open that conversation and take away the bulk of the incentive to do that.

As we wrapped up our discussion, we were both reaching for the tissues again. He was so visibly relieved, and I was so happy to see him that way and grateful to have the tool box to relieve him.

In my opinion, in two weeks when we Execute, by delivering the trust amendment and tenancy-in-common agreement, I will have completed the five steps of the EVOKE process. I have completed the “Exploration” and “Vision” steps in the process. We moved through Obstacles by examining the tools in the tool box, evaluating them, and picking the best one (Knowledge).

This plan just came together so well and so quickly. I hope the removal of this concern will help him survive the surgery. Once again, the personal connection the Life Planning process has created strengthened a client relationship plus brought relief to a troubled man.

I think Life Planning does not have to be centered on home runs. Life Planning can be done in the form of base hits and, over a long-term relationship, the opportunity for base hits will come up at every meeting. Life Planning gives you the big picture, and the more you know about a client, the better you can plan for them, even with the minor decisions.

Every day, I am grateful for the opportunities given to us, the skills we have been given, and how they can be used to make others’ lives better.

——-

Biography – Randy Gardner is the Founder of Goals Gap Planning, LLC, a holistic, personal financial planning firm, providing group and one-on-one financial education to professionals and individuals. Randy also works as a tax and estate planning attorney with Estate Plan, Inc. Previously, Randy was a Professor of Tax and Estate Planning at the University of Missouri. He has taught and practiced for over 35 years.

Randy is the coauthor of the books, The Closing Wealth Transfer Window (with Leslie Daff), 101 Tax Saving Ideas (with Julie Welch), and Tools and Techniques of Income Tax Planning, and co-editor of WealthCounsel Estate Planning Strategies (with Leslie Daff). Randy serves on the Editorial Board of The Journal of Financial Planning and has written over 100 articles for publications, such as The Journal of Financial Planning, Taxation for Accountants, Practical Tax Strategies, and Tax Adviser.

Randy earned: a Bachelor of Arts degree, cum laude, from Harvard University; his JD and MBA degrees from the University of Kansas; and a Master of Laws in Taxation from the University of Missouri.

RGardner@EstatePlanInc.com

Randy lives and works in Laguna Beach, CA and Las Vegas, NV.

Posted in Life planning | Tagged ,

Sidney Divine CFP®, ChFC®, RLP®

Sidney Divine

Each time I think about Life Planning and how it’s helped me, I can’t help but smile.

I first heard about Financial Life Planning when I was relatively new to the finance industry and eager to become successful. I had such a strong desire to do well that I decided to look up some of the top producers within my company to see if they’d be willing to speak with me about their achievements.

About five calls into the process, I spoke with a planner who left me with a lasting impression. What stood out about this conversation was the planner’s conviction. It was the first time I heard the words Financial Life Planning used together. He said that if a potential client didn’t want to engage in the Financial Life Planning process, then they just weren’t right for him to work with. He’d leave them at the end of the meeting better than he found them but wouldn’t proceed with working with them as a client. He felt as if Financial Life Planning was what he was put here on earth to do and as such he wouldn’t be living into all he’s supposed to be to the clients or to himself if he did anything else. He believed that morally and ethically he couldn’t make a sale or a recommendation without truly knowing the client, and the Life Planning process was a way to truly know them.

Immediately I began to question just how much business he had left and was continuing to leave on the table. I could not for the life of me wrap my head around it. I thought back on that conversation for quite some time. Over the following months and years of us staying in touch in a mentor-mentee capacity, I learned more about Life Planning and even began to embark upon a variation of it that I liked to call “Life Planning Lite”.

After conducting many meetings of Life Planning Lite, I had more questions and naturally felt like there were things that still weren’t getting uncovered. With that, I decided to finally see firsthand what Life Planning truly was by signing up for the Kinder Institute of Life Planning’s training program. It was a full three years from that initial conversation with my mentor.

I remember heading into the 2-Day training not really having too many expectations. I’d heard so many great things about it and based on my experience utilizing my lite version of Life Planning, I saw how deep the conversations got when getting to know the clients. I didn’t want to be let down. On day one, I left thinking how could I have even possibly thought this could be a letdown. It was that powerful. I knew then that I wanted to continue with the 5-Day EVOKE training. The work with my clients would become even more impactful once I took the 5-Day!

When I came back from the 5-Day training, it was noticeable to myself and others that something had changed in me. Once all about work, I came back with a deeper and better understanding of what was truly important to me, and I began to pursue those things immediately!

Just as important, I began to see how much better a planner I’d become with my clients. The first client I started to life plan had been a client of mine for two years. Prior to the 5-Day training, you couldn’t tell me that I didn’t know her and hadn’t done a great job as her financial planner. In those two years, she introduced me to many of her friends that would become future clients. I felt truly involved in her finances and her life.

Life Planning her immediately showed me how much I didn’t know about her. During the Exploration meeting, I was able to find out so many things that had not once come up before in our conversations. When I delivered her torch statement, she shed tears and, more importantly, the work beyond that has thrived and she’s thriving.

There are just so many different examples of how Life Planning has impacted the lives of my clients. These are a few:

  • The client who decided to say “Yes!” to his life and enjoy time with his family by planning a couple of camping trips;
  • The client who flew with his wife to watch a deciding game 7 that featured his favorite player;
  • The client who relocated to be closer to her family;
  • The client who is fulfilling a lifetime goal of traveling to Japan;
  • For me, the overworked workaholic who knew there was always more to life than work but never really took the time to explore.

Life Planning has been life-changing. I’m so fortunate for my mentor Stephen Brody, my 5-Day family including the great facilitators, and most importantly for my clients who bless me each day with the opportunity to help them plan and be a part of seeing their deepest dreams realized!

————-

Sidney R. Divine, CFP®, ChFC®, RLP®
Divine Wealth Strategies

Financial Planner
http://www.divinewealthstrategies.com

Upon graduating from LaGrange College in 2011, Sidney pursued his dream to help good people live better lives. By 2014, he had earned the title of Financial Planner and began to work with his clients by helping them optimize cash flow, manage risks, and plan for their investment and retirement needs. In 2015 and 2016, Sidney was nominated for Financial Planner of the year; an award he proudly earned in 2017 while being ranked within the top 2 percent of 1,875 planners nationally within the Fortune 500 firm.

Sidney’s belief in education since the beginning as a Financial Planner has seen him earn the Certified Financial Planner (CFP) designation, the Chartered Financial Consultant (ChFC) designation, and the Registered Life Planner (RLP) designation from the Kinder Institute of Life Planning.

Upon earning the RLP designation, Sidney fully embraced his new role as being a Financial Life Planner. As such, he works with clients to help them align their financial realities with the lives they aspire to live. He does this by engaging in a client-centered process that delivers freedom to clients, namely the freedom to pursue life’s passions, wherever they may lead.

Sidney also believes strongly in serving the community. He has served in numerous roles working with youth to empower them to live more inspired lives. Much of this work has taken place on the foundation that sports and athletics can help build confidence and bolster the role of teamwork and citizenship.

No matter your needs, you will find Sidney to be a trusted advisor that educates you, advises you, and helps you bring clarity to your money and peace to your life.

Do you have a story to tell? We want to hear your Journey in Life Planning. Email lora.woodward@kinderinstitute.com, to express interest in being featured in the Kinder Institute blog.

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Posted in A Golden Civilization, Life planning | Tagged ,

Click video to hear George’s thoughts on How Can Registered Life Planners Help Achieve a Golden Civilization?

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“The Whole Financial Planning Process is Wrong” Expert Says

“The whole financial planning process is wrong,” says George Kinder, widely recognized as one of the chief educators and influencers in the financial planning profession.

But what exactly does he mean, and how does he justify this bold statement?

First, let’s separate the work of financial planning into two different elements–let’s call the first quantitative analysis and the second qualitative analysis.

Read full article here.

Posted in Life planning

Jenny Hoff Podcast Interview

March 30, 2017

Read or listen to Jenny Hoff’s interview/podcast with George Kinder

Dubbed the “father of life planning” and author of the seminal book on money, “The Seven Stages of Money Maturity,” George Kinder has been an investment and wealth professional for more than 30 years, coaching thousands of advisers on how to do more than just talk about financial products, but how to get to the root of what people really want in life before creating a financial plan to make it happen.

With decades of experience as a mindfulness and meditation teacher as well, Kinder has a unique insight in helping people find their true wants in life and then finding the ability to fund those dreams. In this episode, Kinder talks about the three most important questions to ask yourself in order to understand your life goals, questions his thousands of advisers ask their clients through the Kinder Institute of Life Planning.

Get Charged Up about planning your life!

http://www.creditcards.com/credit-card-news/episode-13-charged-up-george-kinder.php

Interviewer

Jenny Hoff, creditcards.com

Posted in Life planning

How Should Investors Respond to Political Uncertainty?

Here what George told Robin Powell about how investors should respond to political uncertainty.

https://www.youtube.com/watch?v=xdEXPPSH6Ic&feature=youtu.be

 

 

Posted in Life planning

Profiles in Life Planning: Louis Vollebregt #2

Photograph of Louis Vollebregt, RLP®

Louis Vollebregt, RLP®

Profile:

Name: Louis Vollebregt

Certifications and memberships: RLP®

Business Name: Means in Progress BV

Location: Horalaan 14, 6721 KN BENNEKOM (The Netherlands)

Website: louisvollebregt.nl and meansinprogress.nl

Favorite Parts of My Own Life Plan: Doing what matters most; not wasting time on things that just seem urgent but actually are unimportant to me. Helping other people to develop to the max of their abilities.

Favorite Life Plans I Have Helped Deliver for Clients: I love to work with entrepreneurs in the financial industry. As this is a branch that is very much trying to find new ways to deliver good service, I take pride in helping professionals in our industry to migrate to worthwhile new ways to interact with clients.

Posted in Life planning

Profiles in Life Planning: Greet Selderslaghs #1

Photograph of Registered Life Planner, Master of Life Planning, Greet Selderslaghs

Greet Selderslaghs, RLP®

Profile:

Name:  Greet Selderslaghs RLP®

Certifications and memberships: Master of Life Planning

Business Name: Art of Good Living

Location: Zemst and Ternat, Belgium

Website: http://www.artofgoodliving.eu

Favorite Parts of My Own Life Plan:    Being life planned makes me feel as if I’m constantly on holiday! It made me go for my own business, coaching people, and set me off writing my own novel. Yes, I do work hard, yes, I do have challenges. But because who I am and what I do are very close together, I always find the courage and enthusiasm to go for it again.

Favorite  Life Plans I Have Helped Deliver for Clients:    Someone came to see me, feeling depressed and low. In no time she found the strength to buy a plot of land, and in a newly designed and built building, set up her own business with her own designs, putting apart the profits for a –once-in-a-life-time trip to Mexico.

 

 

 

Posted in Life planning

Profiles in Life Planning: Mary Zimmerman #2

Photograph of Registered Life Planner® Mary Zimmerman

Mary Zimmerman, CFP®, RLP®

Profile:

Name:  Mary Zimmerman CFP®, RLP®

Certifications and memberships:
Certified Financial Planner™ practitioner
Registered Life Planner®
Financial Planning Association
National Association of Tax Professionals
National Society of Accountants
Mensa International
Nazrudin Project

Business Name: PATH Financial Strategies, LLC

Location: Chandler, Arizona

Website: None

Favorite Parts of My Own Life Plan:    I was fortunate to be a member of the first graduating class of Registered Life Planners® (Spring, 2003). My Life Plan has evolved over the years in wonderful and unexpected ways. Life has a way of changing our “plans.” For instance, since my original plan, I have become a grandmother. That changes life for just about everyone who becomes a grandparent, AND, as part of the Life Planning process, I was encouraged to noodle about what that meant to me. I will be “consciously present” when I am with my grandchildren. I will appreciate each stage of their life, and listen to them with my heart. For me, this intention is my guide, and Life Planning evoked this in me.

Favorite  Life Plans I Have Helped Deliver for Clients:    What comes to my mind when I think about Life Planning clients is the absolute beauty that arises in each person as they speak about their deepest desires and highest ideals. I have heard from a 26-year-old paraplegic military veteran that leaving a meaningful legacy was at his core. I have witnessed a wife telling her husband that she wished she had told him more times that she loved him. I have watched clients decide that “time trumps moneymaking” and seen the creative ways that “valued time” was implemented in their Life Plan. It continues to be a rare privilege to be part of this Life Planning movement.

Posted in Life planning