Caring for more than your fi nances

Page 20 • January 2022 • Golden Gazette

Our story of caring for more than your finances

I believe the people who have paved the way for the rest of us should be highly valued and well cared for in having the retirement strategy they deserve.

And we often work with these couples and individuals who are nearing or already in retirement and who have unfortunately not been cared for by their previous financial advisor, and they are uncertain if their money will be able to last in retirement. Because of that, we find that they are spending too much time worrying about their money instead of enjoying what is most important to them.

In addition, we work with many people who have lost a loved one and feel overwhelmed by the burden of navigating their financial journey alone.

When I was first starting my career in the financial advising industry, there was a gentleman named Harold that another advisor was working with. Harold was a retired dentist and wanted to make sure his finances were working best for him and his wife, Joan.

Unfortunately, Harold passed away and left Joan to navigate the financial journey alone. To make matters worse, their financial advisor was not helping Joan organize her new financial future. I knew this was not ok.

God puts people in your life that leave a legacy of how you care for others.

The connection and commitment I have with people in their “golden years,” I attribute to my strong relationship I had with my grandparents, especially my grandfather.

Growing up in Austin, Texas, I was fortunate enough to spend a lot of time with my grandparents. My grandfather, who worked in the financial industry as well, had a big impact on my life.

Grandad fought in WWII and was actually shot down from his plane over the ocean near Germany. Thankfully, he survived and went on to make a difference for so many people, including me.

Hearing stories of his sacrifice and dedication to our country and family was inspiring. People like him truly paved the way for the rest of us.

As I read books like “The Greatest Generation” by Tom Brokaw, I knew these kinds of people were valuable to the fabric of our country.

After graduating from Texas Tech University, I had a “career crisis.” I finished school, but was working in a job that was about serving the company and not as much about serving others. I was struggling trying to figure out how I could best use the gifts God had given me to benefit others.

Many months went by where I would go to work and not enjoy what I was doing. I knew I wanted to work with people in their retirement years because I had the most respect for them.

Thankfully, I got to spend time talking with financial advisors and knew right away that this industry was going to be the best use of my gifts to serve those nearing or already in retirement.

In May of 2018, after over 10 successful years with a large brokerage company, I decided to take my focus even deeper by serving those nearing or already in retirement, and established an independent financial advising business called Holtzman Wealth Strategies.

From my experience of working with this group of people, I am now fulfilling what God has truly called me to do.

As a result of working with folks nearing or already in retirement, I have established a three-step planning process. Step 1 is called the “Seen & Heard” stage.

You have a story behind the money you have worked so hard to accumulate. We want to see and hear how you have gotten to where you are today.

Your story matters, and this step is critical to learning about you, your comfort level with risk, and find out

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How much power needed?

A long-time political figure was asked, “How much power does it take to satisfy politicians?”

After thinking about the question for a moment, he responded with a twinkle in his eye: “Just a little more!” And then added, “The more we have, the more we want.”

Politicians rise and fall, come and go, do helpful things, and do some things that seem to cause confusion and chaos. Whatever they do comes from the power that we seem to give them. Or does it?

Insightfully, the Psalmist said, “No one…can exalt a man...It is God who judges: He brings one down, he exalts another.”

After all is said and done, there is no power apart from God. He is Almighty. He rules.

We often think of ourselves and others as being self-contained. We live, we breathe, we walk and talk, we do this and that, but - in fact - we live breath by breath and moment by moment according to God’s plan for our lives. Our physical life, and the life of those whom He allows to have power and influence over us, do so as He wills and wishes.

These are days of turbulence and turmoil, fear and frustration, uncertainty and anxiety. We do not know what is going to happen before our next heartbeat. But it is comforting to know that God is in control of everyone and everything. He has fixed limits on their terms and time in office. He also has a plan in place for everything.

God often seems to move at the pace of a snail - but He is indeed moving. We can rest assured that all is well.

Memories from long ago

The mind has a mind of its own. Occasionally, it takes little trips and goes on interesting journeys that bring back memories from long ago. Memories that are both pleasant and painful. Memories that are both welcomed and worrisome. Memories that must have been stored there by God to help us remember His mercy, and, at times, His judgment.

Psalm 77 is very egocentric. Take time, if you will, and count the number of times the personal pronoun “I” occurs. It is rather amazing.

It begins with the writer carefully reviewing many instances of feeling forsaken and abandoned by God. He writes of calling for help - but no voice responded. His eyes would not close - and he was reminded of tragedies he wanted to forget. He felt rejected and unloved and even gave up on God ever being faithful or kind to him again.

Then, suddenly, his mind called things to a halt. God seemed to awaken him and he said, “I will remember the deeds of the Lord; yes, I will remember Your miracles of long ago. I will meditate on all Your works and consider all Your mighty deeds.”

Our minds do wander and walk through dark valleys filled with deep sorrows and painful valleys. And when it does, it only takes a moment, if we choose to turn things around and change the shadows and sorrows and valleys into sunlight and smiles and mountain tops.

God did this for the Psalmist. He wants to do the same for us: recall His miracles in our lives that give us eternal hope. Some people mistakenly believe that trusting in God requires them to distrust science, history, art, philosophy, and other forms of education, information, and truth. But intelligence is a friend of faith, and ignorance its enemy. God loves knowledge and truth, and any faith that objects to either is terribly misguided.

– Stephen MattSon

Our story of caring

(Continued from Page 20) where you are financially today. We want to “see and hear” from you to find out what is most important to you going forward. Step 2 is called the “Guide” stage.

During this time, we analyze what you have done and offer solutions we believe to be suitable for each individual situation. Your money and financial plan is specific to you, and this stage is where we “guide” you toward your confident retirement path. Step 3 is called the “Care” stage.

Now that we have your financial plan in place and your plan is working for you in a way that mirrors your priorities and risk tolerance, our job is to care for it well.

We have ongoing follow up meetings with you each year to make sure you continue to be taken care of.

Joan was alone now and needed help.

Thankfully, she was able to confidently answer the question “Am I going to be ok?” of which she thankfully was.

She now had the freedom to spend valuable time on things that have meaning to her.

Giving people confidence that they will be well taken care of through retirement is what I do.

But giving them the freedom to spend valuable time on what is most important to them is who I am.

Zach Holtzman

Financial advisor

Lubbock

A begrudging return to the offi ce

(NAPSI)—A new nationwide survey revealed half of those who went into an offi ce prior to the pandemic don’t want to do so any more.

As far as which best describes their current employer’s plans for returning to the offi ce, 48% said their employer expects them to return to the offi ce full time, while 27% said their employer currently requires them to return to the offi ce for part of the week.

About one in five employed Americans would like to be able to decide where they work (in offi ce, hybrid or fully remote), while 13% would like their employer to require mostly remote work.

Surprisingly, 41% would like their employer to expect employees to return to the offi ce full time, with the offi ce looking/operating like it did pre-pandemic with minimal changes.

Offi ceSpace, the creator of better workplaces, commissioned the survey to better understand the sentiments and expectations of employed Americans.

“In talking with countless customers, each is faced with a unique set of challenges and employee needs in creating a safe hybrid workplace model,” said David Cocchiara, Offi ceSpace CEO.

“Organizations continue to be challenged to strike the right balance in what the business needs and what their employees want.

There is no single approach that works for every organization.

The return will vary by company, industry, employee comfort level, and geography, and organizations need options to safely bring their employees back into the workplace while providing maximum fl exibility.”

Divided Opinions

When it comes to remoteworkplace split, 47% want to work at an offi ce fi ve days a week, 51% don’t. Women are less likely than men to want to go back fi ve days a week.

There is, however, strong agreement on what Americans want to return to the offi ce: • 71% agree their employer should require proof of vaccination. • 70% agree employers should provide incentives for vaccinated employees. • 70% agree there should be a mandatory mask policy regardless of vaccination status.

Employed Americans are divided on vaccination.

Half say it has a major or moderate impact, while 39% say it has slight to no impact.

Ten percent do not plan to get vaccinated for COVID-19.

Workers miss connecting with colleagues

Many miss social time with colleagues, in-person collaboration, and a dedicated workspace. Most don’t miss the commute at all.

For further information, visit www.officespacesoftware.com/hybrid-work-models/. - The study was commissioned by Offi ceSpace Software and conducted by The Harris Poll.

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“Wills vs. Trusts”

How to decide what is best for you. Lee Franks, J. D. Elder Law Attorney Tuesday, January 11 at Noon

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