CCM INSIGHTS
A Newsletter by Compass Capital Management
A LOOK INSIDE THIS ISSUE:
1.The NEWEST CCM team member has arrived!
2.What is an Emergency
3.Upcoming Closures
4. Native American Heritage Month
THE NEWEST CCM TEAM MEMBER HAS ARRIVED!
At Compass Capital Management, we believe that our team is more than a group of colleagues we’re a family. And this week, we’re thrilled to celebrate a joyful milestone within that family.
We’re excited to share that Client Relationship Manager, Sam DeNike and his wife have welcomed a beautiful new baby into the world! Mom and baby are healthy, happy, and settling into life at home.
Moments like these remind us why we do what we do. Behind every financial plan, every meeting, and every handshake, there are families growing, changing, and building their futures It’s an honor to support the people who make our firm what it is, both in and out of the office.
Please join us in congratulating Sam and his family as they begin this wonderful new chapter. We can’t wait to meet the newest little member of the Compass community!
WHAT IS AN EMERGENCY?
BY: JIMMY J. WILLIAMS, CPA/PFS, CFP , CRPC ® ™
The recent federal government shutdown occurring on October 1, 2025, has caused tremendous difficulties for federal employees and recipients of federal aid. Failing to come to a compromise, the U.S. Senate has failed to vote on the budget, called a Continuing Resolution, for short-term funding of the government’s operations Shutdowns have occurred numerous times during my lifetime but this one is on track to be the longest in history
Certain participants of food and subsidy programs are discovering what dependency on a government, or any person, can cause in their life. It is true that recipients of food assistance and other services are lower income individuals and without the supplemental funds may not be able to afford food, medical care, or housing for their families.
Everyone has a different opinion on the shutdown and I am not offering mine in this article Rather, I would like to empower families to use this disruption of life to convince themselves that instant gratification is not always the best choice For example, families should set a goal to accumulate the necessary funds to withstand the challenges posed upon them by storms such as tornados or by human-caused events like shutdowns
The start of this process would be to analyze the cost of living for your family. I recommend that you take a piece of paper and draw a vertical line down the center of the page. On the right side of the sheet write the word “Need” and on the left side of the paper write the word “Want.” For example, I may want a new bass boat because my favorite hobby is fishing However, I need to save money for a potential setback that may arise in my life (Hint: Challenges will always be a part of life The timing of their arrival is the real question )
Granted, we recommend our clients live their lives by their own design However, if the desired lifestyle is one that does not allow you to protect your family during times of economic distress, the chosen lifestyle is not a good one Too often we see families that are attempting to own too many assets with the limited cashflow their careers may provide. In these instances, we work with them by leading the discussion of “Want versus Need.” It takes discipline and strength to forgo the finer things in life that are not essential to your family’s lifestyle. Food, shelter, medical care, and clothing are the primal basics man requires to exist. Many families lack the ability to pay for medical care and need assistance What if they had a job with a company that provided health insurance with a small portion to be paid by the employee?
I am firm believer that one’s health is the most valuable asset in the world However, a close second with great value is the comfort of a home and food to sustain your family Think about your family’s cost of living Do you have ninety days of savings to help your family survive a difficult economic time?
To help you become more self-sufficient, seek out a complimentary consultation with a CERTIFIED FINANCIAL PLANNER practitioner. The foundational aspects of caring for your family should be the “NEED” on your goal list. Physiological needs are the basis for existing. No one is owed anything in life that has not been worked for unless a catastrophe were to strike. During emergencies like the one we are living in today, it is critical that charity becomes the underlying emotion that many of us must exhibit. Our fellow man deserves a hand up and does not want a handout. It is important to allow everyone the opportunity to become a part of the American society by producing an income and caring for their family. Check on your neighbors, ask your school counselors. You will find someone that needs you to be the person you wish to be. Charity begins at home and our community needs each of us to contribute in a bountiful way. Emergencies are lessened or resolved when we come together and all of our community has the basics of life. Seek out someone to share your smile with today. It might just become contagious! ® REGISTEREDPRINCIPALSECURITIESOFFEREDTHROUGHCAMBRIDGEINVESTMENTRESEARCH, INC,ABROKER/DEALER,MEMBERFINRA/SIPCJIMMYJWILLIAMSISANINVESTMENT ADVISORREPRESENTATIVEOFCOMPASSCAPITALMANAGEMENTLLC,AREGISTERED INVESTMENTADVISORCAMBRIDGEANDCOMPASSCAPITALMANAGEMENTLLCARENOT AFFILIATED215ECHOCTAW,SUITE101,MCALESTER,OK74501CAMBRIDGEDOESNOT OFFERLEGALANDTAXADVICEPLEASECONSULTYOURLEGALANDTAXADVISORFOR SPECIFICESTATEANDINCOMETAXPLANNINGSTRATEGIES THEINFORMATIONINTHISARTICLEISFOREDUCATIONALPURPOSESONLYANDISNOT INTENDEDTOBETAXADVICEFURTHERYOUSHOULDNOTRELYONTHISINFORMATIONTO MAKEINVESTMENTDECISIONS
UPCOMING CLOSURES
November 27 t h
November 28 t h
December 24 t h
December 25 t h
January 1 s t
NATIVE AMERICAN HERITAGE MONTH
Compass Capital Management is celebrating Native American Heritage Month by showcasing fine art from local Native American artists through the Month of November.
Our team at Compass Capital Management is honored to showcase these beautiful works of art, the talented artists and help share their Native American heritage with the community.
“When I think of Native American Heritage Month, I think of our ancestors and the strength and resiliency they had,” Choctaw Council Woman Regina Mabray representing District 12 said. “I also consider where we are now as a thriving and leading nation, and for our futurewhat we do now and how it will affect our children and grandchildren.”
Various artists such as Connie Phillips (Choctaw), Jane Semple-Umsted (Choctaw) and Jaime Misenheimer (Choctaw) donated their work to showcase the beauty behind Native American heritage representing their stories, history and culture. This project has allowed various artists to come together to showcase their different perspectives of Native American culture through different mediums of art.
CCM is inviting the communities at large to visit our main offices on Choctaw Avenue in McAlester to come and admire these works of art during the Month of November.