New Year, New Financial Life By Caroline Wetzel, CFP®
question as she grieved the death of the partner that she loved. Perhaps your Mom said this to you as she worked through new and challenging health conditions as she aged. Or maybe you have wrestled with this fear in those few fl eeting mo- ments of alone time, when all you wanted to do was just breathe but your head raced about your life and your fi nances.
A
You are not alone. We all are dealing with uncertainty. If anything is certain in addition to death and taxes, it’s that life is continuously changing. We are dynamic. As a result, our fi nancial situations are continuously evolving. This doesn’t mean that any of us needs to experience anxiety, feel alone, and have unanswered questions around whether we are all right with our approach to our fi nances. You have choices and options. You can experience fi nancial confi dence as life inevitably changes.
I’ll never forget the fi rst time that a client asked me, “Am I going to be okay?”. Mary was in her 60s and going through many life changes. When I asked Mary why she wanted to work with me she said simply, “I need to know that I’m going to be okay.’”
Mary was a proud mother and soon to
be grandmother. For as long as she could remember, her goal had been to help her three kids enjoy a quality of life as they grew up, get them safely off to college, and then live life on her terms. Mary had worked for years at the same company, often in roles that did not interest her.
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m I going to be okay? We all hear these words in our lives. Maybe your best friend asked you this
You are not alone.
We all are dealing with uncertainty. If anything is certain in addition to death and taxes, it’s that life is continuously changing.
She stayed with her job because it offered stability and fl exibility to be both family caregiver and professional while her hus- band, their family’s breadwinner, regularly traveled for work. Then life happened.
Shortly after her third child was in college, right around when Mary was starting to think more seriously about what she wanted to do next with her career, Mary’s world started falling apart. Her husband told her that he wanted a
divorce. Mary knew that they both had focused on the kids for the last 20+ years and when they weren’t caring for the children, they were balancing their own aging parents’ needs and respective work demands. What Mary hadn’t realized was just how far apart she and her husband had drifted until her husband insisted that the divorce was necessary.
After a very diffi cult divorce, Mary decided that she needed to talk to an independent professional about her fi nances. Mary was plagued with so many money management-related questions in parallel, she wasn’t sure which ones to an- swer fi rst. Mary couldn’t sleep peacefully at night with the uncertainty of how best to manage the investments that had been transferred to her following the divorce; for years, she and her husband shared the same fi nancial advisor and Mary never re- ally connected with the advisor or felt that he understood her.
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