Focus Archives - Your Retirement. Your Dreams. Your Life. Kort McCulley is Changing Your Future for the Better.

If You Want To Go Fast… If You Want To Go Far…

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

There’s a famous quote that says,”If you want to go fast, go alone. If you want to go far, go together.” Many people have no problem doing things on their own, but imagine how much more you could do if you had a great team surrounding you. An article from The Meaning Movement has some great points that compare going fast alone and being great with a team- check it out here!

Now, let me ask you, who is on your financial team? Who is helping you make progress toward your financial goals and freedom?

Having a financial team is crucial. Think of a financial team as a support system. With the world and economy constantly changing, it is important for you to surround yourself with a group of people who will help you to stay on the right track to reaching your financial goals.

This week, I am challenging you to think about whether or not you have a good support team in place, and if not, please consider building one. Everyone needs a support system to keep moving forward!

You NEED a Financial Plan!

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

With this weeks topic being the importance of financial plans, I wanted to share with you this study that was done in June of 2016. The Vanguard Alpha Study discusses what is helping investors and why it is crucial to have a financial plan.

Every day, I see people making quick and irrational decisions regarding their investing and financial future. I really wanted to make it a point that there is a huge benefit to having an official financial plan. There are so many more opportunities available to those who have a financial plan in place and it would be silly to not take advantage of those opportunities.

As always, please reach out to me with any questions you may have. I am more than happy to help you build a financial plan that revolves around your values, goals, and smart decision making.

Adequate Savings Rates

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

“How much should I be saving for retirement? Is there a certain percentage of my income that I should be saving?”

These are questions that I am asked frequently. The answer is simple: it is different for every person. Everyone has their own unique situations, different needs for retirement life, and has different incomes. What might work for a family member might not work for you. Your savings and savings rate are based on factors in your life and your life only.

I wanted to share with you some tools that will help you to determine what your savings rate should be and how you can use that number to be on the path to reaching your goals. DreamNumber, a tool I created myself, is great for helping you to organize your savings and prepare for your future needs.

Another tool that I mention frequently (it’s so helpful!) is the CNN Money Retirement Calculator. I really like this tool because you can input your income, your age, how much you have saved thus far, and it will compute how much money you will need for your retirement. I suggest taking a look at both of these tools and reaching out to me with any questions you may have!

Have a great week everyone!


All Boats Rise in a High Tide – Swimming Naked

By | Advice, Dining, Dreams, Education, Finance, Food for thought, Investing, Life, Mindset, Money, Motivation, Planning, Retirement, Strategy, Technology | No Comments

Warren Buffett once said, “All boats rise in a high tide.” The market has been doing great this year, but like Buffett has also said, “Bad things aren’t always obvious when times are good…after all, you only find out who is swimming naked when the tide goes out.” We wanted to share these quotes and a great article, Warren Buffett’s 23 Most Brilliant Insights About Investing, in hopes that you will keep his insights and advice about investments in your mind as we approach the new year. 

From our families to yours, we wanted to wish you all a very Merry Christmas and Happy New Year!

Penrose Brewing / Eric Hobbs

By | Dreams, Motivation | No Comments

My best days are spent working with clients and helping them make progress on their big dreams. Period. Put those things together and I’m at my absolute nirvana! Well…the other day I got to spend time with one of the most driven entrepreneurs and got to spend some time with him talking about his progress. Lets just say it hasn’t been a straight line for Eric Hobbs, Tom Korder, and the rest of the team at Penrose Brewing but they are charging forward. Every time I check in with these guys something new is on the horizon and they continue to raise the bar by creating a unique experience for those enjoying the newest offering. Take a minute and familiarize yourself with the history of Penrose. Even better is swing by the Tap Room sometime to take in the full experience. A conversation with Tom and Eric will have you overflowing with passion for great beer and maybe pursuing a big dream. Cheers!

Maxing Out

By | Finance, Planning, Retirement, Strategy | No Comments

Most of the time when we talk about this subject it revolves around Portillo’s and taking down an Italian beef, cheese fries and a chocolate cake shake (I’m sure many of you can relate). But today this is actually about maximizing the IRS contribution limits and the long term impact they can have towards your planning future.

Many of my clients are following this planning structure but many of you have not seen the long term impact of the path toward ‘maxing out’.

DreamNumber Tour

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

So…I’m a follower of Peter Diamandis and pay attention to the projects he’s constantly working on including Singularity University that he co-founded years ago. Their mission is to educate, inspire and empower leaders to apply exponential technologies to address humanity’s grand challenges. Remember my blog on the 95% retirement failure rate that American’s face today? Well…I created DreamNumber to address that grand challenge facing humanity today. Clearly at 95% failure there’s room for technology to make an improvement and show you exactly ‘How Much’, Save It, and Make Progress! I had to make this video to apply for their program in the Spring of 2016 because I want to get the ‘How Much’ information out in front of the entire population. We face BIG challenges ahead without this information. In this video I take you through my big vision and where my greatest passion lies with my work on DreamNumber! At least for today because I will be making progress with it tomorrow.