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It's About Context...

People frequently ask my opinion on financial issues and economic events. This blog allows me to answer their questions and provide context for those things that affect their financial health.
William Pitney is a Certified Financial Planner™ and financial coach.  He is the founder of FocusYOU, a client-centered alternative to traditional financial sales and advisory services.  FocusYOU works primarily with high tech engineering managers, scientists, technical professionals and their families.  William has been featured in the New York Times, the Journal of Financial Planning, Black Enterprise and many other prominent publications.

Rebar to Cement Your Financial Foundation: Easing the Burden on Survivors

Coping with the loss of a loved one is difficult enough in itself. When you compound the death without enough financial resources…whew!…That’s tough. I’ve witnessed the devastation of these situations both emotionally and financially on family, friends and classmates. It is painful and some families never recoup financially.

Having adequate life insurance can help ease the burden and provide your survivors with greater financial peace of mind. Your family can use life insurance proceeds to take care of many types of expenses for your family and loved ones, including:

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Rebar to Cement Your Financial Foundation

You're working your tail off to build a solid financial foundation for family. You now have some home equity, personal savings, investment and retirement accounts. You may even own an investment property.

You’re doing everything in your power to create a secure and comfortable lifestyle for yourself and family.

So, let me ask you, have your really thought about how much you earn? I mean, if nothing changed about your current income, what would it provide for your family between now and when you retire?

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Do Studies Still Mean Anything? (Part 2)

In Part 1, we reviewed reasons why people are skeptical when they hear various claims made by so-called studies.  In Part 2, I will address the question “Should we believe the science?”

Science is awesome.  There are amazing things being studied and discovered all the time in many fields.

The question is how do you find the real science given an environment where there’s so much sensationalism and spin to present a specific and salable answer?

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Do Studies Still Mean Anything? (Part 1)

I often cite studies, reports and other research when posting my blogs.  One question that has come up is do these studies actually mean anything.   It’s an excellent question.

Because of my innate curiosity, I’m always trying to poke holes in my logic and the research I’ve read over the years.

I’ve been lucky enough to spend a lot of time around some of the leading thinkers and brightest minds in financial planning as well as reading peer-reviewed articles and research.  Naturally, this has led me to delve deeper into the data.

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It’s Gonna Cost You One Way or Another

Back around 2009-10, I came across a quote from Ben Feldman, one of the most prolific salespeople in world history, who said:
 

"Doing something costs something. Doing nothing costs something. And, quite often, doing nothing costs a lot more!"  

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"What you do speaks so loud that I cannot hear what you say." ---- Ralph Waldo Emerson