Be Lucky... Luck! Are you a lucky person? A question we ask all potential hires Some respond yes, some say no, and some say, tell me more Luck could be a state of mind, or luck possibly could be something left up to the universe "Being pleasant and having a good attitude is a simple way to become luckier." What would you do for luck? A movie our team recently shared called 'Luck' is out now on Apple TV. This family friendly tale follows Sam Greenfield; the most unlucky girl in the world, on an adventure to turn her luck around. We liked it and think you will too!
Three Things
ed... If you follow market History, September is traditionally worst months for the market. People are back from summer school is starting and life is busy. The song by Green Day, Up When September Ends" can be a very fitting song to listen time of the year if you don't want to follow the markets. my favorite September Wall Street adage is, "markets bottom ber and are defined in October " With earnings season upon more return to normalcy we see some optimism in the s we think long term October will tell us more and we will react accordingly ThisIissue
From Brandon & Kevin
BE ASSURED | BE PLANNING | BE LIVING In
Three Things| When the Market is Down | Meet Jacob Life Insurance | Team Member Updates |Sculpture Tour
Be Planning... The 2 most important questions you should be asking yourself are "Am I still on track?", and "Is my money in the right place?" These are the questions we think about daily for you in how we can help you pursue your financial goals If you would like a review with one of our advisors, please give us a call
Cash Needs
You may have accounts held outside of our firm We recommend that you periodically perform an analysis of all of your accounts combined, for investment overlap, asset allocation, diversification, and continuity across firms We have the tools to perform this analysis, and welcome the opportunity to provide this service to you. We’ll also review opportunities for tax loss harvesting, and investment expense reduction.
We are here to be your partner with any specific concerns you may have. We also want to review that you are aiming to meet or exceed your current investment and saving goals Technology makes it easier for us to connect with you Whether it’s texting, email, or asking “Alexa”, we can easily be reached at anytime
Asset Review
As always, we are here for you. We are your partner in your financial journey. Reach out to our team as needed to discuss your accounts and goals
Communication
While your comfort is one of our top priorities, we know that you may be feeling a bit uncomfortable during this financial climate We have been working hard over this past year to analyze, review, and update We want you to be reassured that we are continually aware of the financial climate so we thought we’d open the curtains to all the behind the scenes work that happens when the market isn’t performing as well as we would like.
Have your cash needs changed? Do your accounts have enough in lower risk investments to satisfy your income needs? Have your plans for a lump sum need changed? Perhaps you’ve accumulated more cash than you need, and now is an opportunity to invest at lower prices
Chris Giroux VP of Investments LPL Financial Advisor
Ray Kahmeyer Investment Manager LPL Financial Advisor
Portfolio Review
Risk Evaluation
We continually review and analyze appropriate investment options to match your risk tolerance, time horizon, and investment objective. We lean on experts from multiple investment firms to gather independent analyst opinions on the economy and market conditions. We focus on rational investing, and limit the emotional aspects. Although past performance does not guarantee future results, we work diligently to find the best money managers with resilient track records during turbulent market conditions that have strong long term performance history Depending on your investment objective, you may see fund changes occurring in your account between now and the end of the year
We asked you via email at the beginning of the year to engage with us to utilize RiskAlyze to measure your risk tolerance We use the RiskAlyze tool to gather information from you to determine if your risk tolerance fits how you’re actually invested. Adjustments are then made as necessary. We understand that it is natural to feel stress at this time. Our personal, and family investments are affected as well.
Source: LIMRA.com, 2021 The Role of Life Insurance What are your short term needs? What are your long term needs? What are my future obligations? What liquid assets do I have? 4 QUESTIONS TO CONSIDER 1 2 3 4
If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But, too often life insurance is an overlooked aspect of personal finances.
Meet Jacob Yarochowicz
In fact, according to a 2021 study conducted by Life Happens and LIMRA, which closely follows life insurance trends, nearly 50 percent of Americans say that they have no life insurance coverage at all, even though 59% of people without life insurance recognize the need to obtain it. You may wonder do I really need it or where do I start?
Jacob Yarochowicz celebrated his second year at Be Wealth this September Before joining the team, Jacob interned at Be Wealth for two years He was ultimately influenced by his Grandmother who encouraged him to go into the financial industry Jacob went to College at Kansas State University where he had great experiences and found lifelong friends “If you were to tell me when I was younger that I would be having conversations with five to ten people a day; giving them financial advice, I would have thought you were crazy. But over the last two years in this business, I've realized how important it is to review your financial goals on a regular basis,” says Jacob.
At Be Wealth, we want to you to be assured you are on pace to retire, have a legacy plan in place, and work toward your goals along the way Jacob values our three client goals as well as honesty, loyalty, and respect If you know of any family or friends searching for a financial advisor who shares the same values as Jacob, don't hesitate to share his contact information with them.
He believes in ten years financial advising will be more automated, time sensitive, and need to meet people where they are located. Jacob's education helped him build a philosophy on financial advising. His advice to others is to “ save for what is important and spend the rest on what you enjoy.” Jacob's favorite part about being at Be Wealth is the people He enjoys having conversations with clients and his coworkers These interactions ultimately have helped polish his communication skills and build stronger personal connections
We can help! One of our three pillars is Be Planning, where we partner with you to document your estate plan or insurance plan. Jacob Yarochowicz is our Life Insurance specialist and is available to meet with you about whether life insurance is appropriate for you.
Be BInsured e Insured
We had a great time exploring downtown Salina at the Sculpture Tour Salina! As usual, we were impressed with the workmanship of each sculpture. We tallied your votes and the Be Wealth People’s Choice award winner is RATATOUILLE!
We look forward to seeing you at our next event!
The Votes Are In!
onnie Rawson
Joined the Be Wealth team in early June as Investment Manager. Ray brings 12 years of experience in investment management, research, and planning.
Joined our team in August 2022 as a Client Relations Coordinator. Connie brings 15 years of customer service and processing expertise to Be Wealth.
We turned in all your ballots, so we will see if the Be Wealth favorite is the same as the rest of Salina. Most importantly, the People’s Choice award for ice cream choice was Strawberry! Thanks for joining us.
Jake Huffaker
Recently passed his licensure exams. Jake's primary areas of focus will be 401K plans and helping investors who are starting on their financial journey.
Team Member Updates
Ray Kahmeyer
Last date to establish a new SIMPLE IRA plan for 2022 Last date an employer can amend its profit sharing plan to utilize the 401(k) safe harbor provisions for 2020 Medicare Part D Enrollment Opens IRS Due Date for Filing a tax return extension October 1 October 15 Important Dates Brandon Ebert Partner Financial Advisor Be Assured | Be Planning | Be Living www.bewealth.com Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Kevin Quinley Partner Financial Advisor Chris Giroux V P Investments Financial Advisor Colleen Marrs Client Relations Coordaintor Connie Rawson Client Relations Coordaintor Danielle Brown V P Finance Jacob Yarochowicz Financial Advisor Jake Huffaker Financial Advisor Marv Hamel Client Relations Coordinator Ray Kahmeyer Investment Manager Financial Advisor Valerie Andrews V.P. Client Relations
