This Book is For You.           

◽️Do you want to transition to a work-optional lifestyle, without sacrificing what you worked so hard to create? 

◽️Do you want to create a plan so you can do the things you’ve been putting off for years, and do them as soon as possible? 

◽️Are you looking for a plan to organize all the pieces of your life’s plan, so you can enjoy the journey? 

We believe you can retire with more clarity and confidence than you ever thought was possible.

If you've already won the game, it is important to create a plan for your goals and keep you a winner.

This book will provide a process to make smart decisions so you can do the things that are the most important to you and…

Begin Your Journey - Request and Download Our Free Workbook

This Workbook was designed to help you complete the exercises in the book.

As you read the book, we encourage you to stop at the end of each chapter and complete the questions using this Workbook, before going onto the next chapter. Take your time when answering these questions to really think through what is important to you.

You can download and print this Workbook and write your answers to the questions on the printed pages. You can also download and electronically save this workbook, and then complete the answers online using the text fillable boxes in the document.

This is your time to dream about your future, set goals and think big!

What does it really mean to have a diversified portfolio of investments?  Ellen was well respected during her long and successful career in education. She was a leader in her school district. Ellen saved for her retirement throughout her career and accumulated enough money to retire comfortably.

Ellen was very thoughtful about her investments. She followed her father’s advice “not to put all her eggs in one basket.” As a result, she had a complex portfolio of managed and unmanaged holdings. Also, following her father’s advice, her investments were split between Financial Journey Partners and another large, well-known national financial firm.

Her portfolio of investments at Financial Journey Partners used our investment process that aligns the investments for a client with their risk tolerance. Ellen and her Wealth Manager worked together as a team to actively manage her investments. Over time, she saw how well her FJP investments were doing and consolidated her investments to FJP. She realized her investments could be diversified and yet have it all with one investment firm. Investment portfolios at Financial Journey Partners are diversified, with different types of investments chosen from many of the top investment firms in the country. See more about the Investment Process at Financial Journey Partners in Chapter 11.

The years progressed, and Ellen was enjoying her life in retirement as she worked on her goals. She was able to spend her time doing the things she enjoyed the most and was living a full and rewarding life.

It was a difficult year in the financial markets in 2022. The U.S. Federal Reserve increased interest rates from 0 to 5 percent starting in March 2022 through the first half of 2023. The purpose was to reduce the very high level of inflation in the economy. This was one of the fastest increases in interest rates in the past hundred years. The result was a historically bad year for both stocks and bonds. Her portfolio at Financial Journey Partner lost a relatively small and manageable amount in 2022. Her portfolio at the other firm lost considerably more, almost twice as much. And we are required to state past performance is not an indication of future performance.

Ellen decided to simplify her investments and consolidate them all at Financial Journey Partners. While you never want all your money in one specific type of investment, there is significant value and benefit in having one investment team coordinate and diversify your investments. When talking with her Wealth Manager, she said, “You make my financial life easier, explain things so well, and you are lovely to work with.” If you decide to work with a financial professional to invest your assets, we encourage you to find someone you enjoy working with, and they are committed to helping you reach your goals.