Retiring Early: Challenges and Opportunities

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Retiring Early  

Challenges and Opportunities in a Changing Landscape

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The desire to retire early is a common goal for many Americans, but the cost of retirement can make this a challenging goal to achieve. According to a recent study by the Employee Benefit Research Institute, only 34% of Americans retire before the age of 60, and nearly a third retire after the age of 65. This is due, in part, to the increasing cost of retirement. Furthermore, the average life expectancy in the US has increased significantly over the past few decades. This means that individuals need to plan for a longer retirement period, which results in the need for additional savings to support an extended retirement period.

In the meantime, healthcare costs are a significant factor contributing to the rising cost of retirement. According to a study by Fidelity Investments, the average 65-year-old couple retiring in 2022 can expect to spend $315,000 on healthcare costs throughout their retirement. This can put a significant strain on retirement savings, making it harder for individuals to retire early.

Retirement income sources such as social security and pensions have become less reliable in recent years. According to the Social Security Administration, the average monthly social security benefit in 2021 was $1,696, which may not be sufficient to cover all of an individual’s retirement expenses. Additionally, many employers have moved away from traditional pension plans, leaving individuals responsible for funding a larger portion of their retirement income through personal savings or investments.

Finally, many individuals may not have a clear understanding of their future retirement needs and expenses. For example, they may not know how much they would need to maintain their current lifestyles in retirement or may underestimate the impact of unexpected expenses, such as home repairs, medical emergencies, or travel expenses. These costs can quickly deplete retirement savings, leaving individuals struggling to meet their basic financial needs. Additionally, they may not be aware of the impact of inflation on their retirement expenses, or how taxation diminishes their income streams, both of which could put a strain on the cost of living over time.

Despite these challenges, working with a financial planner can help bridge the gap between the desire to retire early and the increasing cost of retirement. A financial planner can help individuals create a personalized plan that takes into account their unique circumstances, goals, and risk tolerance. They can help identify potential gaps in savings, suggest appropriate investment strategies, as well as identify missed opportunities in tax savings. In addition to managing risk, a financial planner can help clients balance their long-term goals with their short-term needs. For example, a client may need to save for both retirement and a child’s college education. A well constructed plan can help the client balance these competing priorities and ensure that they are on track to meet their goals. By creating a personalized retirement plan, managing investments, and empowering the client to react to changes in their personal situation, as well as pivot in the face of legislative changes, a financial planner can help individuals achieve their retirement goals, regardless of the hurdles they face.

Oleg Zviagin

Oleg Zviagin

Director of Financial Planning

I  specialize in complex financial planning strategies including multi-generational planning, trusts & estate, employee stock options/restricted stock, insurance, college, and retirement planning. I use a holistic approach to financial planning by prioritizing a clients real time goals, concerns, and financial experiences in order to better understand their needs and limitations in building out a complete and all-inclusive financial picture.

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Divorce and Self-Care

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Divorce and Self-Care 

Why it’s Necessary—Not Only for the Clients 

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I’ve been blessed to create a circle of industry professionals who have taught me so much since I  decided to specialize in divorce mortgage planning. One member of my tribe, who has also become a  very dear friend, is a collaboratively trained family lawyer and mediator. She’s one of the best and has  been instrumental in opening my eyes to the pitfalls that people can get caught up in during the divorce  process. I know, I’m practically gushing, but she’s just incredible at what she does. The way she  incorporates a storytelling session for her divorcing couples as part of her standard practice is extremely  insightful. She explains options to them that they may not have ever considered before meeting her.  

Recently, she invited me to sit in on two of her very educational consultations with two separate  couples. She talked through the different types of divorce and options available for every type of family  going through it. She offered thought-provoking ideas and possibilities they never knew existed,  including alternatives to divorce and legal options that may work for them. This empowerment is crucial  for couples who believe that the law dictates the process… when actually, they can be in the driver’s  seat to navigate their own situation.  

I found the entire experience fascinating. I have learned many things that I now incorporate into my  own lane of business. Offering clients empathy and the space for contemplation and options is  necessary, even when the couple may not realize it’s something they need. More often than not,  couples contemplate their situation for months, years, maybe even decades before actually initiating  any course of action. Unfortunately, it isn’t until then that they realize there isn’t only one cut and dry  way to go about it—if they have the right team in place.  

As I sat through her presentations, silently observing as the couples talked about their journey, I was so  intrigued by the way they would smile as they thought back on the early days, when they first met, and  how it all started. As the discussion unraveled, they would both jump in and complete each other’s  sentences or correct each other on the small details of the stories. It happened in both presentations for  both couples, and I was instantly transported back to years ago when I was contemplating my own  divorce. We tried for years to live unconventionally and get through each day while still holding on to  hope that something might change or break open for the benefit of our children. Had I known there  were so many options, it could have been a much healthier environment and time frame for everyone  involved. If only we had known to approach the process in a way similar to the one I was witnessing with  my present-day colleague leading the way.  

As I continued to listen, the couples would progress through their story and get to the point where  things pivoted and moved into a darker and more hopeless situation. One spouse remains quiet while  the other one—who has already processed the demise of the relationship—continues down the path of  how things have changed and how it just isn’t working for them anymore. They finish their part of the  story, while the other spouse seems like they might not have known everything their significant other  has been feeling. They may be hearing some of these things for the first time while sitting in that room  with two other people present. The room gets thick with anxiety and sadness. I could see the guilt and shame on their faces for existing in a space they never thought they’d be. The attorney allows them to  continue the story, but doesn’t interfere to counsel them, as she knows her place. She isn’t a therapist,  but she does need them to feel the gravity of the decision they will ultimately make. They need to be  prepared for everything they will need to unpack and unravel before they start the transition of divorce. 

Sitting in that room and seeing it unfold like this, it hit me like a bolt of lightning. Not only is the couple  feeling the toxic air and energy around them . . . so are the professionals who are helping them. I  realized how much the divorce attorneys, counselors and coaches must absorb on a daily basis. Before  any final decisions are reached, I imagine how much the negative emotions and conflict must somehow  affect them as well. I also feel it as their mortgage professional because of the emotions attached to the  martial home, but I think they we are all affected on a different level.  

The very same week, while sitting with another attorney discussing this very subject, he mentioned that  he integrates recommendations to his clients to start meditating, practicing yoga, and using therapeutic  breathing techniques. I was impressed with the way he guides his clients to a healthier place to shift  their energy. 

If you are reading this, you may be someone who has gone through divorce, someone contemplating  divorce, or you work in the divorce space like me. Regardless of who you are, please take care of  yourself. Especially if you’re surrounded by it on a daily basis. Even if you’re just someone’s confidant… a  friend or family member of someone going through it, it will affect you. Negativity, stress and emotion  can permeate your space. It’s easy to allow it to shape and determine how you view or move through  your own world.  

We must treat divorce the same way we would work through any other loss or tragedy. It became so  clear to me through these two particular instances, and I’m so grateful to these colleagues for teaching  me by example.  

When I reflect on my own divorce, I was grateful to learn about the world of self-healing, self-reflection,  and energy work. It helped me through those difficult times. I eventually reached a place where I  understood that my marriage was a season of my life that gave me some wonderful memories, two  beautiful children and 20 years of growth. I had a better understanding that the relationship was ending  as we knew it, but this person—the father of my children—would always be in my life and our family  would just look very different moving forward.  

This family law attorney I mentioned earlier told me, “Even if my client doesn’t embrace this for  themselves, it is my priority to practice this. I am working and serving a community of people who are in  pain, anxious, sad, full of grief, angry, and carrying a high level of negative emotions. I cannot allow that  to penetrate my space and energy.” The old adage is true—we need to put the oxygen mask on  ourselves first before we can truly help others. This rang so true to me at that moment. We cannot save  the world from experiencing pain, but we can open up possibilities to guide people to work within  themselves and self-reflect. That is an enormous part of self-care. The goal is to get out of your own way  and shift the voice inside your head to a more compassionate voice, a voice that is your own biggest  cheerleader. These are steps toward achieving emotional intelligence. This is a daily practice. As you get  better at navigating it, you will find your own inner peace. Whether you are a person going through a  divorce, or a professional helping someone on that journey, be kind to yourself.  

I’ve always been an advocate for self-care, I just never knew I could integrate it into my business like  this. Thanks to those professionals who have exuded this in your daily work life, reminding me that we  can all make a difference in more ways than one.  

Tami Wollensak is a Senior Mortgage Loan Originator and a Certified Divorce Lending Professional NMLS 1963450 at Oak Leaf  Community Mortgage, A Division of Mutual Federal Bank. An Equal Housing Lender insured by FDIC.

Tami Wollensak, CDLP

Tami Wollensak, CDLP

Sr. Mortgage Loan Officer

Women supporting woman is an incredible gift. I find that the relationships, bonds and friendships that I have built while helping others make sense of things during a life transition and what can be a very dark and challenging time makes my work extremely fulfilling. If I can help someone to be a little bit less stressed and shine some light on a subject that might feel daunting and overwhelming then I have done what I have set out to do. Surrounding myself with a tribe of like minded people women is what gives me the drive in my day to continue to pursue my passions.

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Psychological Safety

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Phycological Safety in the Work Place

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I’ve been hearing one thing over and over from people in all industries: Employees aren’t staying with companies, and if they are, they are doing the bare minimum at their jobs. When organizations look at the problem with employees as being a lack of motivation, the solutions are obviously going to be geared toward how they can bring back some of that motivation. Unfortunately, this kind of approach only hits on a superficial issue and doesn’t get toward the root cause; it’s merely a band-aid. Lack of motivation is a symptom of the larger, underlying issue.

Individual workers wind up feeling unmotivated for a multitude of reasons. Some feel that way because they don’t believe they are valued, or that their boss(es) believe they have potential to grow within their position or company. Others simply don’t feel comfortable or safe in their work environment, as they’ve been continually put in situations with high targets to hit and/or given ultimatums. However, all of these reasons do signal one thing: that psychological safety has not been fostered strong enough within their organization to address these problems.

“Wait, what is psychological safety?” Put simply, Psychological safety is a deeper level of trust.

On the most basic level of trust, I can say “I trust you to accomplish ____ task(s).” Having psychological safety, though, is the level in which workers are comfortable enough within their work environment to take interpersonal risks, such as voicing their opinions, trying a new approach, offering a suggestion or perspective, speaking up about a concern… and, here’s the kicker, they don’t have fear of being reprimanded or seen as less valuable for doing so. So, even if the thought, idea or approach doesn’t work or isn’t used, workers are in fact valued more for sharing their thought, concern, opinion, or approach in the first place.

There are plenty of companies out there that do a great job of building that kind of environment. Some of them do it without even realizing that that’s what they’re doing! However, so many more companies aren’t as familiar as they can be with this concept.

I have led various workshops on this exact subject over the last few months, and the response I’ve gotten has been overwhelmingly positive. I have been able to assess the level of psychological safety of an organization, coached and trained leaders (and their teams) how to cultivate it within your working environment regardless if it’s in-person or hybrid/remote, and how to spot underlying toxic behaviors in a culture. All of these shape and sharpen a culture to be more dynamic, healthy and bulletproof.

And… this is just the tip of the iceberg, and there’s so much more to explore in this subject. I’m hopeful that this topic will continue to expand and be implemented throughout the workforce. We are just getting started with reaping its value. If you want to know more about anything I’ve just talked about, feel free to contact us at https://executiveperformanceinstituteforcoaching.com/contact/.

Jenna

Jenna Dillon

Jenna Dillon

Executive Coach, Master Trainer and Keynote Speaker

Jenna Dillon works with high-performing individuals and top-tier organizations, helping accomplished and aspiring leaders achieve greater levels of fulfillment and success in their lives, careers, within their organizational cultures, and as industry influencers.

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Medicare Open Enrollment Period

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What do I need to know about the Medicare Open Enrollment Period?  

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1. Medicare recipients can make changes to their coverage for the following year.  

2. If I’m already on Medicare, why would I want to change my coverage?  Because health and drug plans can and do make changes every year and you’ll want to know if things like cost, coverage and the doctors and pharmacies in your network have changed.

3. I thought Medicare benefits were the same for everybody.  If you have Original Medicare, your benefits are the same.  If you have a Medicare Advantage Plan, however, you may have additional benefits like dental and vision care, access to hearing aids, fitness club membership, free meals and transportation to and from your doctor.   And Medicare Supplements fill in “gaps” in Original Medicare and pick up things like copays, deductibles and extra hospital days.

4. This sounds confusing.  How do I know which option is best for me?  You can contact a private health insurance company directly, research plan options online or work with an agent.  Medicare can be complex, so you may choose to work with an agent who’s trained and certified to offer Medicare plans, who may represent several different companies and who can help you find the coverage that best meets your needs.  

 

Sandra Keir, CFP

Sandra Keir, CFP

Financial Advisor

Sandy has dedicated her career to helping women business owners, professionals and corporate executives prepare for a financially secure retirement.  Retirement doesn’t happen suddenly, it occurs in stages, and I find that women start to anticipate retirement in their early to mid 50’s and wonder, “Have I saved enough money to retire?”  “How much income will I need to do the things that are important to me?”  That’s when they decide to seek the advice of a retirement planning professional.

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Social Security and Divorce

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Social Security and Divorce

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The first thing to know about social security payments in retirement is that your divorce terms do not determine how much social security you’ll get FROM SOCIAL SECURITY e.g. the government program that is social security.

Here are the two general rules for social security:

  1. If you were married for 10 years and then divorce, you may “claim” on your former spouse’s work record.
  2. To claim, you cannot remarry unless you were over 60 when the remarriage took place.

If these rules are met, you are eligible for the greater of:

  • Half of your former spouses’ full retirement age (FRA) social security amount when you are at your FRA or
  • Whatever social security you are eligible for based on your own work record

Full retirement age (FRA) for those born after 1960 is 67. The FRA is two months earlier for each year before that, back until birthdays from 1943 – 1955 when it stops at age 66 (see the Social Security website). Divorcing spouses do not need to file or inform the Social Security Administration. There is no court order needed.

You must be at least 62 years of age to claim on your ex-spouse’s record, although there are exceptions (for example if you are disabled, or your ex-spouse is deceased). You can claim before your FRA although benefits are reduced by approximately 6.5% and 7.5% for each year taken earlier. If you were married more than once for 10 years each, you can choose only one ex’s work record.

Your ex-spouse’s social security payment stays the same. It is not impacted by a claim by a former. Social security will not notify your ex that you are claiming on his/her record and there is no need to communicate with your ex to accomplish any of this.

One more thing:

Your ex-spouse must be eligible to claim social security benefits but doesn’t have to be taking them. If your ex-spouse is not taking benefits but is eligible, your divorce must be two years prior to your claim – unless your ex-spouse was receiving benefits before the divorce.

For example:  Ann a stay-at-home mom divorces Joe a worker after 10 years of marriage. Ann gets half of Joe’s FRA social security amount ($1,500) at her full retirement age. If she takes it earlier, the amount is reduced. Joes gets all his ($3,000/month). If Joe dies, Ann gets the full amount Joe would have received ($3,000).

 

Here’s the not-so-good news:

 

  • To get an estimate based on ex’s work record you’ll have to call or visit your local social security office. You need you ex’s social security number, date of birth and parent’s names in addition to your marriage certificate and divorce decree.

 

  • If you were born in 1954 or after, you choose between your own benefit or 50% of the benefit based on your ex’s work record. Remember your benefit increases each year after your FRA, up until age 70. If you choose your ex’s benefit, you lose that opportunity. You’ll have to crunch numbers. If you were born before 1954, there is an option to file for your ex’s benefits and then switch to your own later.

 

  •  There are other Social Security Administration rules that may apply due to your or your ex-spouse’s unique circumstances (government pension offsets, something that is called the ‘windfall elimination provision’ and military benefits)

 

  • Everything I’ve just written is subject to change.

As you can see this is complicated. What you will receive is already determined by the Social Security Administration and is not negotiated in your divorce. A consultation at your local SSA office may be needed. And please remember, their answers can change by the time you are able to make a claim with changes in the law.

 

Disclosures

Investment advisory services offered through Robertson Stephens Wealth Management, LLC (“Robertson Stephens”), an SEC-registered investment advisor. Registration does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. This material is for general informational purposes only and should not be construed as investment, tax or legal advice. Please consult with your Advisor prior to making any Investment decisions. This material is an investment advisory publication intended for investment advisory clients and prospective clients only. Robertson Stephens only transacts business in states in which it is properly registered or is excluded or exempted from registration. A copy of Robertson Stephens’ current written disclosure brochure filed with the SEC which discusses, among other things, Robertson Stephens’ business practices, services and fees, is available through the SEC’s website at: www.adviserinfo.sec.gov. © 2022 Robertson Stephens Wealth Management, LLC. All rights reserved. Robertson Stephens is a registered trademark of Robertson Stephens Wealth Management, LLC in the United States and elsewhere.

Pam Friedman, CFP®, CDFA®

Pam Friedman, CFP®, CDFA®

Managing Director and Principal

Pam Friedman, CFP®, CDFA®, is a Managing Director and Principal at Robertson Stephens. She has nearly 30 years of financial planning and investment experience. Prior to joining Robertson Stephens, Pam was a co-founder of Silicon Hills Wealth Management and founder of Divorce Planning of Austin. She previously worked in both New York and London at CIBC and UBS, respectively, raising capital for both public and private companies. More recently, Pam spent six years on the faculty of the Finance Department in the McCombs School of Business at The University of Texas at Austin.

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Appreciation – The Law of Increase

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Appreciation – The Law of Increase

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Appreciation. What do you THINK about when you hear that word? Do you envision someone thanking you for a job well done or commenting on a fine work of art? Or are you thinking about an investment or piece of real estate that has grown in value? How do you FEEL when you or someone else is acknowledged and appreciated? Appreciation is certainly a wonderful, high-vibration feeling, thought, choice, and action!
In business, leadership, and life, learning how to effectively implement this energetically valuable natural law will advance your business in every way possible. Do you want healthier, more fulfilling relationships? Do you want more awesome customers? Do you want greater profits? Do you want lower rates employee turnover? Less burnout for yourself? Do you want your wealth and assets to grow consistently and exponentially? Are you using this natural law to your advantage to be of greater service to your customers, business, community, and family?

Do you know that what you “appreciate” appreciates in value in every way?

The natural Law of Increase (Praise) is the basis for how “appreciation” works. Since everything is energy, whatever, you “praise” or give gratitude for, INCREASES! Praise for a particular thing stimulates our mind, helps “magnetize” (attract) all the good around you and also helps transform that good into visible and usable form. If this is your first time hearing about this specific law, you may need to take time to really mull this over. However, you’ve seen this law in practice since you were a small child whether or not you knew what it was called.

Praise is a complement to our faith; Praise is the application of our faith. Faith is our belief in something or God. Therefore, how do we apply this Law of Increase (Praise) in practical ways in our daily lives and business

Here are six helpful tips for implementing the Law of Increase:

1. Gratitude and Appreciation

I know, you may have heard this a million times, but are you actually actively practicing gratitude? Not just a passing “I have a good life”, but rather a deeply felt belief, feeling, and thought around all that you have been blessed with. When you look around your home, when you was the last time you felt deep gratitude for it? The kind of deep gratitude that “moves your heart” kind of appreciation? Or do you focus on the imperfections? The paint color you hate, the creaky floorboards or leaky faucet? Do you grumble every time you pay the mortgage or rent? You shortchange your own increase or appreciation each time you do this! Right now, just stop and think about your home and your favorite thing about it. Perhaps you have a beautiful tree in your backyard or you love the way the sunlight floods in your east window every morning. Give gratitude and appreciation for all that GOOD!

Now, think about your business; give thanks for your loyal customers, the opportunities you have to serve them with your unique skills, to solve problems for them or add value to them. Give appreciation for their payment to you for your goods and services. Give gratitude for the future sales your business will receive as you continue to provide top notch service and products to the community. Gratitude and appreciation moves us into a higher state of vibration and helps us lower worry and stress. It’s much easier and enjoyable to serve your customers if you aren’t stressed!

In business, we want our balance sheet to show a gain or “appreciation” on our assets and accounts. Usually those are areas that we have given attention (praise) to and actively worked on. We get excited when we see the balance sheet increase! Why not do that with other areas of our lives?

2. Blessing

Do you engage in “blessing” your life, family, friends, business, employees, customers, and community?

If you have never tried this before, be prepared to be amazed at how this will change your life! Do you have a tough negotiation coming up? Or a difficult conversation with a customer? Instead of worrying about how badly it might go, engage your thinking to something along these lines “I am so happy and grateful now that this negotiation is productive, fruitful, and helpful to both parties involved. I know that we will work out good outcomes for us all. Bless our work, our conversations, our decisions, and the words we say.” You can customize it to whatever situation you are in.

If you’ve never done this before, you may be tempted to say “this is so PollyAnna; this won’t work in the real world. You’ve never met the people I work with!” This is where you have to remember that the Natural Laws ALWAYS work, whether you have heard of them or believe in them. It’s just like the Law of Gravity. It’s a given. Trust it!

It might take a bit of practice to develop your own technique with it. Whenever I get ready to meet with a client, I always think about some of the best qualities that person has or the potential I see in them. I bless those attributes and ask for them to have increase in their lives. I ask that I can give them the best of my skills and talents. Your customers KNOW energetically when you are working in their best interests! This does not mean violating any boundaries or giving away things for free, but truly being of service to them.

If you are a business owner, leader, or employee, do you bless your team of employees? Or do you just think of all the problems you have to deal with because of them? Do you honestly take time to praise them for the things they do well? A person who feels appreciated will be a much better employee! Of course, the praise must be sincere and appropriate. If you haven’t been in the habit on praising or thanking your team, you might be pleasantly surprised about how this helps change things for the better over time as you consistently engage in it. This does not mean excusing bad behavior, but you can always find something good in each person on your team.

Give gratitude for and bless your health, your family, your wealth! Whatever you praise will increase in your life!

3. Give Up Worrying and Complaining.

Seriously – STOP IT! If you increase your worry, your grumblings, complaints, and low vibration negative thoughts and feelings, you WILL get more of them as the Law of Praise(Increase) always increases whatever you praise. It works in reverse too, so it’s is doubly powerful that you stop complaining and worrying. If you find yourself with a negative thought, stop yourself and refresh it with a positive soundtrack that is life giving.

4. Change Your Thinking

Do you think in terms of increase or decrease? Do you see things through a lens of scarcity or abundance? Don’t be tempted to sugar coat it one way or the other. Just acknowledge to yourself where you really are in your thinking about all areas of your life. For example, I have some areas of my own business that I can easily think about all the good that is and will be happening. But, I also have a couple of segments where I still have deep doubts as to whether or not it will happen or if I’m up for a particular change or task. Those areas aren’t producing as well yet. I need to increase my praise, blessing, belief, and think more positively about. Nothing will change unless I do first! How empowering it is to know that we have the choice and ability to do this in our lives!

5. Self Appreciation

Do you actually value and appreciate yourself? Do you say it but don’t actually live it out? As entrepreneurs, we often work months without a day off. Why do we do that? Do you bless the skills and talents that you bring to the business? Do you work on your own personal growth? Do you take care of your health and relationships? Do you still have a quiet, but deeply subversive belief that you aren’t good enough? This belief will sabotage your efforts at self appreciation, so do the work you need to do to unpack what’s holding that belief in you so you can change it. If you don’t honor these things, there will not be any increase in these areas, which will eventually lead to burnout and the de-railment of your dreams, your health, and your business.

6. Praise the Ideal Future | State Your Desire

We all have dreams and goals that we want to have fulfilled, and the sooner the better right? I don’t know about you, but I want all my dreams to happen NOW! I DESIRE all the good, the fun, the fulfillment, and accomplishment of what I have been dreaming of, working on, and creating to be PRESENT now! Don’t you? One of the ways to get the higher energy moving around your goals, is to praise them in their ideal future state. For example, if your business desires to serve 100 clients in the first 6 months of the year, then give gratitude and blessing for that now! You can say something such as “I am so happy and grateful now that my business has served 100 customers well in the first six months of the year! It has been such a pleasure helping them and I am so grateful for great increase in money, times, and goals reached from that service.” Write your own from the state of the wish fulfilled. Do this daily, consistently until you see it come to fruition. Keep the faith, praise and bless it, and then take action. Remember, What you appreciate, Appreciates!

May Grace, Peace, and Abundance be upon your path!

Karen

Karen Smith

Karen Smith

Founder and CEO

We all desire to live fully into our most abundant, healthy, and impactful life; I am here to help you remove the practical and energetic blocks that are preventing you from reaching your greatest potential and success.

I work with visionary leaders, businesses, healers, veterans, and individuals who want to bring their life’s callings and dreams into fruition. We pair the practical and the energetic to get you supercharged results that work!

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