So grab the oars!As fiduciaries, we have a commitment to complete transparency. Love many, trust few, and always paddle your own canoe: This distinctly American proverb of self-reliance was I have a friend whom I’ve known for many years, and for the majority of those years I knew he made a sizeable income—in the neighborhood of $800,000 a year. Never, though the winds may rave, Falter or look back; Frederick Marryat So long as we think dugout canoes are the only possibility-all that is real or can be real-we will never see the ship, we will never feel the free wind blow. He worked as a union manager for his entire career, and he shared with me that if he retired now, he would get 75% of his annual pay as a pension for the rest of his life. No one else will do it for you. Form CRS is a two-page, plain-English summary of our services and relationship.The ADV Part 2A includes information about the types of advisory services offered, the fee schedule, the investment advisory business, ownership, clients, employees, business practices, affiliations, and any disciplinary events.The ADV Part 2B includes , disciplinary information, conflicts of interest, and the educational and business background of management and key advisory personnel.Our Privacy Notice details how we use and safeguard client information.Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Each client and prospective client agrees, as a condition precedent to his/her/its access to Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by
That means we’re happy to share the nitty-gritty details of how we run our business, how we get paid, and how we protect our clients’ personal information. Whatever floats your boat, as they say! Every man paddles his own canoe. Voyager upon life's sea, To yourself be true, And whatever your lot may be, Paddle your own canoe. His wife wasn’t expected to get much of a settlement. And granted, the cost of college is astronomical—and increasing at a rate over 5% in some years. Canoes being largely a Western Hemisphere conveyance, this particular version of the term is American in origin. Every wave that bears you on To the silent shore, From its sunny source has gone To return no more. Get off your ass and do something!” ― Nick Offerman, Paddle Your Own Canoe: One Man's Fundamentals for Delicious Living If your birth denied you wealth, loftly state and power; Honest fame and hardy health Are a better dower. Existing clients receive a summary of any changes to the ADV annually or when updated. Rather than taking advantage of that huge saving power, this couple saw it as spending power—even as it added great stress to their lives.“Paddling your own canoe” could mean a lot of things to you—learning to do home repairs, trailblazing your own career path, or literally paddling a canoe on a lake. Really fun, great food, and at the end of the night, there were a few half-full bottles of wine left over.
If you’re not doing after-tax saving, you’re missing a major opportunity to grow your wealth and take care of your future financial security. I didn’t manage his money, but I always assumed he was financially secure.

They let each poor fellow paddle his own canoe, could start a bank to advance money to deserving young planters... but But Ralph’s story shows that even if you have guaranteed retirement money, taking the initiative to save even a modest amount after-tax can make a meaningful difference. 440 b.c.). paddle one's own canoe, to To be independent and self-reliant. and if he capsizes and stretches out his hand in despair for someone Saving wisely can reduce time spent on stress and increase the time you spend living the way you want.All of this is a long way of saying that “Paddle your own canoe” means looking to the horizon, setting excuses aside and propelling yourself to your destination. The man’s wife took one look at the open bottles, declared that she didn’t want any of the old wine, and opened a new bottle for the one glass of wine that she wanted.I thought it was a bit wasteful. Cash liquidity reduces stress, permits you to use the tax code to maximum efficiency and creates your own personal time machine to the future you desire. But I didn’t give it a second thought until I found out through the grapevine that he was getting a divorce. Then let not an hour's delay Cheat you of your due; But, while it is called today, Paddle your own canoe.

But in my world, “paddle your own canoe” means taking responsibility for yourself—and your future self-sufficiency.One important way to do this is with after-tax saving in addition to tax-deferred retirement saving (accounts like 401(k)s or 403(b)s offered by your workplace). The analogy to steering one’s boat is very old indeed; Euripides drew it in his play Cyclops (ca. My wife and I were at a party my friend was throwing at his home. they won't do it.

It’s not exciting but it’s important!The ADV is a three-part form all financial advisors must submit to the Securities and Exchange Commission annually. 'To paddle my own canoe. Take my other friend Ralph for example. A combination of tax-deferred and after-tax saving is a powerful wealth-building engine.Even if you have enough for your own retirement needs, having after-tax money gives you freedom to make choices.

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