ST. CROIX INSIGHTS
This wasn’t in the plan!
BY BRETT ANDERSON/ST.CROIX ADVISORS, LLC
I’m in my office the other day and a friend stops to say “Hi.” Turns out his wife was diagnosed with cancer and as he continued to share their journey, he made a profound statement, “This wasn’t in the plan!”
Not in this ballpark, the next ballpark and even the one after that he went on describing. Life just has a way of throwing us curveballs that even the best ballplayers can’t hit. I attend Eagle Brook Church in Woodbury, Minnesota, and as I listen to the sermons (which are the best around) I struggle with no matter how hard I pray and I too am tossed into things that aren’t in my plans.
We all have a vision for our life – a roadmap and outline of the outcomes we seek.
Recently, I’ve been having one of those continual experiences that wasn’t a part of my plan. No matter how much we vision and plan, it seems that there are many points when we are not in control. For me, attending church on Saturday helps my heart and soul, but sometimes I still struggle just like my friends and clients. How many other financial advisors are willing to drop their egos and admit they are not superhuman?
I still vividly recall a seeing another good friend, Joe, two weeks before he passed away. He said to me “none of this matters” and I didn’t understand what he was saying. So I asked him, “What are you saying?”
He repeated himself, “None of this matters!” I asked him what he meant. He said, “The house, cars, boats, four wheelers.
They don’t matter.
All that matters is my family.” And with that he asked me to help take care of them when he was gone. I can’t begin to tell you how much impact he had on me. He is in my thoughts each day when I work to help my clients.
I continually reassess my own financial plan and so should you. Our situations are always evolving and our financial plans need to keep up. Just like my friend who came by to share the news of his wife’s cancer and how they’ve paused everything to focus on her cancer treatments.
Take the time out of your busy life to pause to make sure “it’s not too late” for the type of financial planning you wished you would have done. Many times we have to have critical conversations even when we don’t think it’s necessary. If you’ve been delaying that critical conversation, take a minute and give me a call. I’ll be here so we can talk through it.
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Ask yourself- can my portfolio support my lifestyle in my retirement?