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Friday, September 1, 2023

Recently, I had a conversation with a friend about legacy.  We talked about how legacy is viewed a bit differently when you have spent your career working in the wealth management field.   While the term legacy has...

 

Wednesday, August 9, 2023

I often think about the old Charlie Jones statement that says personal growth is through the people you meet and the books you read.  His thesis was that without these two actions in your life, we will remain the same person five...

 

Monday, July 17, 2023

Want to know how the retirement sausage is made?  Here is my family secret recipe for getting ready for retirement!  No matter if you are 52 or 72, calling this transition time in your life “retirement” or...

 

Wednesday, June 7, 2023

Emergency Funds have a unique place in the family tree of personal finance.  Most of us know the Golden Rule of having ‘”3 to 6 months of living expenses” held in a separate account in the case of a financial...

 

Tuesday, May 2, 2023

In the retirement planning universe, a lot of emphasis is put on the investment selections of 401(k) plans.  I get it, that is the sexy side of the retirement universe, but a compliance infrastructure provides the solid foundation...

 

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Tuesday, April 25, 2023

Taxes.  A topic almost everybody deals with, and hardly anybody understands.  Kind of like how I feel about my car…. I drive it every day but have no idea how it really works (besides me just putting gas in it)...

 

Wednesday, March 1, 2023

I was recently asked about my views on young women learning the ropes in the world of personal finance and the common “mistakes” young ladies make in this arena.  This seems to be a re-occurring topic in 28 of my 28...

 

Thursday, February 9, 2023

When I talk to people about what I do as a Financial Planner, there tends to be a lot of variances about what exactly “financial planning” means and what a Financial Planner does.  Some think I only make investment...

 

Tuesday, January 3, 2023

Goal setting.  It’s my favorite January topic and something I think about the entire month of December.  While most people are planning holiday meals or family vacations, I spend most of the month reflecting on the year...

 

Wednesday, December 14, 2022

For me, this past year will be the year another generation learned the meaning of risk when investing in both the capital markets and digital assets.  We all talked about it, knew it was there, but many had never really felt the...

 

Thursday, November 3, 2022

Turbulence. Most often used when describing those invisible bumps in the air on your flight from Detroit to LA. I often use the word to describe stock market volatility. Both are seen as the necessary evil to get you to your...

 

Tuesday, October 4, 2022

I consider myself to have many tribes.  I have my close circle of women business owners, parents of my daughter’s friends, online-only conversations and local neighborhood peeps.  I have my high school friends, my...

 

Friday, September 2, 2022

Sisterhood on Wall Street isn’t something talked about often. Sisterhood in finances is not as natural as sisterhood in raising families or a sisterhood in your personal community. But I’ve been fortunate to be a part of a...

 

Friday, August 5, 2022

What inspires you to do your best?  Where does the motivation come from that excites you to reach for your dreams and not stop until you achieve them?  Now, how often does this same surge of energy get applied to your...

 

Wednesday, July 6, 2022

Patience.  Something I have plenty of when it comes to others, but none when it comes to myself. A simple definition of patience is the capacity to accept delay without getting angry.  Patience isn’t an emotion,...

 

Friday, June 17, 2022

In the last few years, I’ve seen a tremendous shift in the way people think about money…specifically about the concept of “financial freedom”.  For decades, this was associated with the popular concept...

 

Tuesday, May 10, 2022

Inflation.  It’s quite the buzzword right now, but it’s something I’ve talked about my entire career. Like many CFP’s, I’ve been projecting 4% inflation in my financial plans for the last 25 years...

 

Monday, April 4, 2022

When I think of being physically fit two images come to mind:  the high strength / high impact weightlifter and the slow moving / high endurance yogi master.  Both are well known pathways to staying physically fit and to...

 

Friday, March 4, 2022

Fear.  That is a complex word.  Fear is a word that I talk about almost everyday.  Fear is a concept that rivels only “greed” as one of the most misunderstood concepts when thinking about personal finance...

 

Friday, February 4, 2022

Have you ever set a New Year’s Goal for yourself with all the good intentions of the world only to have forgotten or abandoned it before winter is over?  Unfortunately, this is a very common occurrence and something that I...

 

Thursday, January 6, 2022

I like to hit the ground running when it comes to New Year’s Resolutions and tend to have my goals for the year in place well before the ball drops in New York City.   I have them written down and find that I start...

 

Wednesday, November 24, 2021

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...

 

Tuesday, September 21, 2021

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...

 

Tuesday, September 14, 2021

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...

 

Sunday, September 5, 2021

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...

 

Thursday, August 5, 2021

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

 

Monday, July 5, 2021

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?...

 

Thursday, December 13, 2018

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...

 

Thursday, December 13, 2018

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...

 

Wednesday, June 27, 2012

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...