Investor Behaviors

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As many of you may know, the market has certainly been in good condition recently.

Our advice: keep up with your investments and see if you are meeting your needs based on your risk tolerance. We’ve noticed that more and more people are becoming greedy with their investments and are wanting more out of them than what they really need. Take a look at your investments and your risk tolerance and remember that returns in general are great results. Don’t push your investments so far, you don’t want to get too greedy!

Have a great weekend everyone!


By | Dreams, Education, Finance, Food for thought, Mindset, Motivation, Planning, Retirement, Strategy, Technology | No Comments

I hope you had a great holiday with all of your loved ones!

Let’s be realistic- life is never perfect. Though many of us would love to live in a perfect world with a perfect life, things don’t always work out that way. And that’s OKAY! Planning for the future, especially in regards to retirement and finances, can be overwhelming. There will be times where you try and try to create the perfect path to retirement or the best path to your future, but know that it’s completely okay and normal for there to be imperfections along the way! The most important thing is that you make progress- get one step closer to your goals.

This week’s video discusses imperfections, especially in regards to the important topic of money. If you did discuss the meaning of money with your loved ones this past week and you found that your response were different, that’s okay! It’s okay to have those different views. It’s okay to be imperfect!

Have a great week everyone!

Happy Thanksgiving!

By | Dreams, Education, Finance, Food for thought, Mindset, Motivation, Planning, Retirement, Strategy, Technology | No Comments

Thanksgiving is such a wonderful holiday! It’s no doubt that we love to serve; whether it’s to our clients, our readers, our loved ones, or to charities, we love to help wherever and whenever we can. This weeks video ties into our last post (What Does Money Mean to You?), and discusses what we are thankful for and why.

One of our favorite things to do is to contribute to charities as best as we can, so we have posted a list of charities below that we have served this year along with their links so you can check them out as well! Do you have any favorite charities? Let us know!

Thank you all for your constant love and support and for allowing us to help you in whatever way we can. We wish you and your loved ones a wonderful Thanksgiving that provides you with all of the love, happiness, and memories there could possibly be! Enjoy your week!


Charities to Check Out:

ALS: The Patrick Grange Memorial Foundation

Champions For Cures

Community Foundation of the Florida Keys

Fideliter Club

Gateway for Cancer Research

Lurie’s Children’s Hospital of Chicago

One Summit Inc.

Ready Set Ride

Ronald McDonald House Charities

Self Help International

Susan G. Komen

The Compassion Foundation

USO of Illinois

What Does Money Mean to You?

By | Dreams, Education, Finance, Food for thought, Mindset, Motivation, Planning, Retirement, Strategy, Technology | One Comment

Have you thought about what money really means to you? Have you discussed it with your loved ones to see what it means to them? In this video, I explain why it’s important to have this conversation and why it’s necessary in regards to planning for your future. Hopefully this post helps you to identify which level of the money hierarchy you are on and will provide you with more information to be able to open up and freely discuss what money means to you, and lead you to where you want to be. 

As always, if you have any questions, concerns, or would like to discuss how you can better prepare for your future, click here to get in touch with me! I would love to help you in any way that I can!

Have a great week everyone! 

The Unknowns

By | Dreams, Education, Finance, Food for thought, Mindset, Motivation, Planning, Retirement, Strategy | One Comment

Planning for retirement can be scary. There are many things to consider while thinking about your future. Every day, people are making that transition from what they’ve always known as their every day work life, to a retirement life that is potentially filled with many questions and unknown answers. Though there are many unknowns that tend to cause concern, I’m here to tell you that you don’t have to be scared or unsure. I can help you to be prepared ahead of time! I truly want everyone to have confidence and certainty around these unknowns!

I wanted to provide you with three of the best and FREE (yes you read that right!) tools to help you figure out some of these unknowns ahead of time so you are more comfortably prepared! One of my personal favorites to recommend, as I have mentioned before, is the CNN Money Retirement Need Calculator. This is amazing for inputing your current age, retirement age, and discovering how much you will have when you retire.

Another awesome tool that I love is one that helps to determine how long your retirement money will last you while taking a monthly withdrawal of your choice. You can find that by clicking here. This is a great way to find how much you can afford to live off of each month during this new chapter of your life.

One last tool I’d like to share with you is one that you can fill out to determine healthcare cost estimates for you and your spouse. Check out the form here to learn more.

Have a great rest of the week everyone!

How Far Will Your Money Take You?

By | Dreams, Education, Finance, Food for thought, Motivation, Planning, Retirement, Strategy | No Comments

Have you gotten a chance to check out Prudential’s video on how far your current retirement plans will take you? If not, you should. Check it out here. It’s interesting to see how many people are falling short of how much money they will need post-retirement. As the world continues to change and cost of living continues to increase, your retirement needs to adapt in order to allow you to comfortably enjoy your retirement. Will your retirement be enough?

If you need help calculating how much money you will need by the time you retire, I strongly suggest checking out the CNN Money Retirement Need Calculator. This tool is a great asset to use in order to see just how much you will need and how long it will last. Feel free to use this tool or contact McCulley Financial Group for further assistance- I would love to help and walk you through it!

Cost of Healthcare

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With the rising cost of healthcare, several leading retirement plan providers (Voya, Empower, Transamerica, etc) are adding your cost of healthcare needs in retirement into their website experience and retirement income projections. It’s fascinating and scary at the same time. That’s what this video is all about. I show you what a median household needs are in retirement income just to cover their healthcare costs. Getting healthy and staying healthy will go a long ways in helping keep these numbers within reason. Also, here is the AARP Healthcare Cost Calculator. I encourage you to go through this online experience and learn more about your long term healthcare needs.

Fiduciary Rule vs. Success

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So we are the in midst of the Fiduciary Rule implementation or delay — either way it has been the talk of the industry for several months now only to recently hear about the potential uncertainty of its future altogether. All this talk has me thinking they are missing the big focus that should be in their (law makers) sights. What impact will this rule have on the success of investors and retirement plan participants? Will a reduction of fees close the savings gap? I have to laugh at the battles that our law makers are addressing while passing on the bigger issues that will actually help solve the true problems. That’s what this blog post is all about.

Investing for Kids

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Do you have your own children? Grandchildren? Children you’re the guardian of? Or even just kids you can have a positive impact on? If so, that’s the purpose of this video. I point out some potential starting points for the kids in your life. For some people in the world, it’s too late but for all kids this is the time to capture their financial future. Getting them started today might be the best thing you can do in 2017!