CCM INSIGHTS
A Newsletter by Compass Capital Management
We’re excited to introduce the first issue of CCM INSIGHTS, Compass Capital Management’s new newsletter Our goal is simple: to keep you connected, informed, and inspired
Each edition of CCM INSIGHTS will bring you a closer look at the people and ideas that drive our firm forward. You’ll hear directly from our CEO in featured articles that share his perspective on markets, leadership, and the future of our industry Our team members will also contribute their expertise through thoughtful articles, providing practical insights on financial strategies, planning, and real-world experiences
Beyond the markets, CCM INSIGHTS will highlight what’s happening inside our office. From celebrating team achievements and promotions to announcing upcoming events and sharing behind-the-scenes stories, this newsletter is designed to showcase the human side of Compass Capital Management We want you to know not just what we do, but who we are
This first issue marks the beginning of a new way to connect with you Whether you’re here for financial knowledge, company updates, or a glimpse into the culture that makes our team unique, we hope you’ll find something valuable in every edition.
Thank you for reading, and welcome to CCM INSIGHTS
A LOOK INSIDE THIS ISSUE:
1.Welcome
Thank you to subscribing to CCM”S first office newsletter!
2.How Much Is Enough?
Exclusive insights on CCM”S #1 Retirement question.
3.Igniting Innovation
A look into CCM’s Cambridge Ignite Conference Experience!
1 / AUGUST 27, 2025
The Compass Capital Management Team
HOW MUCH IS ENOUGH
BY: JIMMY J. WILLIAMS, CPA/PFS, CFP , CRPC ® ™
The number one question on the minds of individuals intending to retire: “How much do I need to save to live as I desire and not run out of money?” If I had a dime for every person who has asked this question of me, I would possess a significant amount of dimes. What is the best method of determining sufficiency when considering the amount of resources needed for retirement? When should I earnestly begin the process of planning for retirement? Who should I consult to help me gain confidence and comfort in my process and potential for success in planning for retirement?
The aforementioned questions are very real to most people who are aged fifty or above. As retirement planning specialists, these three queries are most important. To properly quantify the resources required for your lifestyle after your career has ended requires significant research, modeling, and assumption. Since no one can predict the future, many assumptions are agreed to with the client’s recommendation as to the place, method, and style of life they wish to live Will you live in a state with significant income tax rates? What about living in a foreign land that has a cost of living lower than that of the United States? Valid questions asked with a serious note of reality are what is required to meticulously plan for the future
Your future is what you wish it would be. Well, plan for it to be. However, my father always told me that we must plan for our future and trust that our plan is adequate to meet the demands of life. Illness, sudden death, destruction of your home from inclement weather and a host of other contingencies should be considered in your plan One method of establishing your comfort level is to address these major issues and do not allow minor ones to derail your ambition For example, it may be appropriate to insure against certain perils to preserve your wealth for cash flow needs during retirement The primary residence is typically one of the largest assets of a family To fail to insure it adequately could derail your attempt to save for the future should a tornado strike your property
A LOOK INSIDE THIS ISSUE:
Performing the analysis to determine the adequacy of your resources for the next phase of life should be performed with inflation, growth rates, risk and cash flow needs considered. By analyzing your current cash flow needs you may gain a certain standard of life that you wish to retain in retirement Perhaps you wish to retire in a community that caters to the needs of retirees and costs more than your current living expenses? These are important considerations and you should develop a plan that accommodates these assumptions to determine the terminal point of your resources
I often joke with our children that I wish to live a life in retirement that allows me never to run out of money but that I time it well enough to “bounce” the last check. This is a joke in my family as they know that my conscience will not allow such behavior The future is bright if you plan correctly and within reason It only dims in the failure of planning to consider the dangers that lurk ahead and insufficiently planning to overcome them
To gain confidence in your plan for the future, seek the advice of a CERTIFIED FINANCIAL PLANNER practitioner who specializes in retirement. Additional credentials such as the Chartered Retirement Planning Counselor™ professional have tested individuals for specifics in education and ethics about retirement planning with specific considerations in income, insurance, pension planning, disability income, Medicare, and Social Security strategies to name a few areas Do not work alone and find that your plan may have overlooked a critical component to life success Seek a complimentary consultation from a professional who specializes in retirement planning Start now and stay focused to realize the best potential for success See you on the pickleball court! ®
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IGNITING INNOVATION
Compass Capital Management’s Jimmy WIlliams, Julie Hokit, and LeAnn Lewis proudly participated in this year’s Cambridge Ignite Conference This event brings together leaders, innovators, and professionals across industries to share insights, spark new ideas, and shape the future of financial services.
The Ignite Conference is known for its forwardlooking sessions that explore the intersection of finance, technology, and client service Throughout the event, our team connected with industry peers, gained fresh perspectives, and engaged in conversations that will continue to drive innovation in how we serve our clients
As we return from Cambridge Ignite, we’re inspired to continue building on these ideas, implementing forward-thinking approaches, and staying true to our mission: helping clients reach their goals with clarity, confidence, and purpose.