Coming off our biggest training of the year, The Journey and hearing from 3 incredible advisors and Joey Coleman; I’m jacked for the end of this year!

One question stuck out from one of the advisors that I want to ask you:

“Is your business drastically different the last 4 years than it was the last 10-20?”

What he’s implying is we’ve been in the best environment for growth the last few years and if you aren’t completely different then we need to be asking why.

If it’s not, we need to talk!

Here are your Quick Hits:

Final Countdown

• This is a terrific article to share with clients who are near retirement.
• It gives action steps and items to think through as they near their final day of work.
• “One thing I thought I’d be doing during this final year is stress-testing our retirement spending plan.”

Here’s What Retirement With Less Than $1 Million Looks Like in America

• Great article from WSJ to read and share in your emails this week.
• This is five retirees open up about their financial lives and how they spend their time and money
• “There is nothing magical about $1 million, but the less one saves, the bigger the risk that unforeseen shocks or the setbacks of life can derail your plans. Retiring on less than $1 million can bring greater anxiety about outliving your money, say retirees and financial advisers.”

Financial Voices I Ignore

• I learned a few new things from this article. So many people try to push their views by using numbers and he hits a few great points in here on how to be aware of how people do this.
• “Understanding financial market history, from booms to busts and everything in between is important. However, certain people continually use past crises to frame the present situation.
• Every market correction is not the next Lehman moment.”

These 5 questions can uncover a candidate’s leadership qualities

• “People are often on their best behavior when they’re being interviewed. They’re trying their best to impress a potential employer, and they’ve likely rehearsed answers to the most commonly asked questions. If you’re the interviewer, it can be hard to know who’s really the best fit for your company.”
• “If a person struggles to come up with an answer, you learn a lot about them as a leader. What they’re really saying is that they haven’t really fired anybody. Or they’ll say things like, ‘Well, we found this person fiddling their expense reports.’ Those aren’t difficult decisions when people inflict ethical breaches on their organizations.”