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Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

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.

Top Stock Picks of 2015 - Yearend Review

In January 2015, I blogged about Top Stock Picks for 2015.  I provided an update in June 2016.  This is the update based on yearend values.

So, how did the analysts and managers do in 2015?

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Top 7 Myths About Financial Planners: Part 2

In my previous blog, we reviewed truths 1-3 to dispel the myths about “real” financial planners..  Now we’ll cover myths 4-7.
 

Myth 4: Financial planners are only for the people with lots of money. 

 

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Top 7 Myths About Financial Planners: Part 1

U.S. households generally agree they need a financial plan to achieve long-term success and security.  However, too many households—including those with engineers and scientists—hold beliefs about financial planners that make them hesitant to seek out or work with a qualified financial planner.  

Here are eight truths to dispel the myths about “real” financial planners.

Myth 1: Financial planners are the same as stockbrokers, insurance agents and other financial salespeople.  

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Buy Gold for Bling - Not Your Portfolio.

Since the Great Recession began in 2008, there have been unlimited doomsday commentaries about the rise in Federal debt and the coming collapse of the U.S. dollar:

  • The U.S. budget deficit grew another $53 billion.

  • Debt as a percentage of GDP is growing.

  • The Chinese prefer gold to U.S. dollars.

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Rebar for Your Financial Peace of Mind

Last time, we looked at lifetime earning power and how the average amount of life insurance protection of $166,800 would cover just over one and half years of income for someone earning $100,000 a year.

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.

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Find your financial balance.

Our Financial Self-evaluation Tool helps you identify your financial blindspots and increase your financial power.

Download a free financial self-evaluation

 
 

Find balance in your Financial Life

Download our Financial Wheel of Life Self-Evaluation