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2021 End of the Year Client Letter

2021 Year End Reflections

As the year draws to a close, I set my sights on goal planning and getting my thoughts in order so I can start the year off with intention. The backbone of personal financial planning is all about getting your financial affairs in...

Women Owned Businesses by the Numbers

When I hear the quote “A rising tide lifts all the boats”, most often associated various economic policy, I think of when benefits provided to a few may lead to conditions that are beneficial to all. This may or may not be...

Divorce Planning – Leveraging the CFP® Practitioner

Divorce Planning – Leveraging the CFP® Practitioner By Kimberly Enders CFP® CWS™ Taxable ramification of the changing of ownership, or liquidation, of both after-tax and pre-tax investment accounts. Nuance...

Preparing your Estate Plan

Questions to ask yourself before preparing your Estate Plan 1. What is the “flow” of liquid assets (i.e.: cash, IRA’s, stocks, etc..) after my death? How much should go to my spouse versus how much should go to my...

Getting Smart About Financial Education

In my humble opinion, the way to empower women in the realm of personal finance is through financial literacy. As adults, access to financial education tends to come from three main sources: friendship, education and advising. Some...

Lets Talk Real Estate

In the world of personal finance, we often talk about having a diversified portfolio. You know, the pie chart with all the different colors. What we don’t often talk about is what exactly this means

Financial Best Friend

My name is Kimberly and I am a financial planner in Detroit, Michigan. The one wearing a suit, pearls, slicked back hair and 26 years of experience in the world of personal finance. Confidence in spades. Yep, that’s me. Right?...

January 4th Client Letter

January 4, 2021 With the hustle and bustle of the holiday season behind us…. I do hope this letter finds you happy, healthy and a bit more wealthy as we finish the year strong in the fixed-income and equity markets. One of the...

June 2020 The New Normal Client Letter

June 2020 It has been two months since I last communicated with you like this about the dramatic impact of COVID-19 on the stock market & our entire way of life. I have spoken personally with just about everyone and am profoundly...

April 2020 Client Letter Covid-19 Update

April 2020 It's been two months since I last communicated with you via email about the dramatic impact of COVID-19 on the stock market. In different ways, we have all felt the virus’ impact affecting our families, finances and...

Ringing in the New Decade Client Letter

December 31, 2019 Ringing in the New Decade! The New Year is a wonderful time to both reflect the past and plan for the future. We would like to take this opportunity to say, ‘thank you’. Thank you for the confidence you...

Women & Wealth - Closing the Gender Retirement Gap

When I was a little girl I wanted to have a job where I carried a briefcase. I remember my mom saying “then you better go to college and get a good job”. Never did she tell me that I had to ‘find a husband’ to...

Life Insurance. What's In It For My 20-Something Year Old Self?

In the days gone by, life insurance was purchased by individuals to pay off the house or fund college education in the event of an untimely death of a spouse. Maybe “something for the kids" should mom or dad die early or a bridge...

Happy 2018 January Client Letter

January 2nd 2018 Happy 2018! The New Year is a wonderful time to both reflect the past and plan for the future. We would like to take this opportunity to say, ‘thank you’. Thank you for the confidence you have placed in us...

Happy Fall September 2017 Client Letter

September 2017 Happy Fall! It is with great pleasure that I write my semi-annual letter. I am grateful for the professional friendship with you, my client, and excited to share some updates happening here at Enders Wealth Management....

Happy Spring April 2017 Client Letter

April 2017 Happy Spring! In an effort to continue to provide you excellent service, 2016 & 2017 are the years we are tweaking our business model. The 2016 Client Surveys were extremely helpful and we are continuing to implement the...

Liquidity in Retirement

June 27, 2012 Liquidity in Retirement In the new FINRA Suitability Rule, effective July 9, 2012, the generally held definition of liquidity is as follows: Liquidity is the extent to which a customer desires the ability or has financial...