THE OTHER DAY I GOT A CALL FROM A LONG TIME CLIENT WHO’S HUSBAND HAD RECENTLY PASSED.

PRIOR TO HIS PASSING, HER HUSBAND WAS THE ONE WHO HANDLED ALL OF THE FINANCES.

AFTER 50 PLUS YEARS OF MARRIAGE, SHE’S NOW HAVING TO MAKE ALL OF THE FINANCIAL DECISIONS. 

HER QUESTION TO ME WAS WHAT TO DO WITH HER REQUIRED MINIMUM DISTRIBUTIONS.

SHE IMMEDIATELY FOLLOWED UP THAT QUESTION WITH THE FOLLOWING STATEMENT. 

SHE SAID, “I’D LIKE FOR THE FUNDS TO GO TO MY TWO CHILDREN”

MIND YOU, SHE HAD ME ON SPEAKER PHONE THE WHOLE TIME. 

AS SOON AS SHE SAID THAT I WANT MY FUNDS TO GO TO HER CHILDREN, I COULD HEAR HER SON WHO WAS IN THE BACKGROUND SAY

“MOM, WE DON’T WANT THE MONEY!”

AFTER HEARING THIS, MY IMMEDIATE RESPONSE TO HER WAS

“WE’VE DONE THE PLANNING”

“YOU HAVE ENOUGH MONEY”

“GO RENT A HOUSE ON THE BEACH AND CREATE MEMORIES WITH YOUR FAMILY”

YOU SEE.  WITH THE PROPER PLANNING, YOU CAN BUY A HOUSE

WITH THE PROPER PLANNING, YOU CAN SEND YOUR KIDS TO COLLEGE

WHAT YOU CAN’T BUY ARE MEMORIES.

AND ISN’T THAT WHAT YOU REALLY WANT? 

LET ME HELP YOU CREATE A PLAN THAT ALLOWS YOU TO LIVE A COMFORTABLE RETIREMENT AND SPEND YOUR TIME WITH THE PEOPLE THAT MATTER MOST SO YOU CAN CREATE YOUR OWN MEMORIES.