Does Financial Planning Make Your Head Hurt?

The thought of tackling financial planning can make your head hurt, but it doesn't need to. I can be really good about procrastinating, but with all the financial changes these last few years have brought, my husband and I finally took action -- and it feels great!

Feeling great

Although retirement is a number of years down the road, making sure we are on target and tweaking things that need tweaking and addressing those things we hadn't considered becomes more important as retirement draws closer.

Our first step was to take a two-evening class on Retirement Planning. Through that course, sponsored by the Redwood City California, Parks, Recreation and Community Services, we met John D. Lee, CFP, an Investment Advisor and registered representative with Securian Financial Services. Not only are Mr. Lee's credentials impressive--Bachelor's and MBA from Stanford University and experience with both public companies and startup--his obvious knowledge and commitment to the goals of his customers is readily apparent.

John D. Lee, CFPThe next step was for us to meet with Mr. Lee on a one-on-one basis. We subsequently decided to hire him to prepare an in-depth review and analysis of where we are financially, where we wish to be, and whether we are on target or not. His study was precise, thorough, and carefully thought through, always keeping in mind our goals and wishes. He let us know how we stand at this point, and gave pointers and suggestions on additional things to consider and where improvements in our plans could be made.

We were so impressed with Mr. Lee's work and obvious care for his customers (on top of the MBA from Stanford University) that he will now be managing many of our accounts on an ongoing basis.

Fortunately for those of you in the mid-Peninsula and Silicon Valley, John Lee will be teaching his Retirement Planning Today course again on Wednesdays, May 12 and 19, 2010. To get more information or to register, contact Redwood City Parks, Recreation and Community Services on line, or call them at 650-780-7311.

While Mr. Lee does not handle real estate investments, remember that real estate can play a large role in financial planning too. I'm happy to discuss that portion of your plan with you, so don't hesitate to contact me.

--- Come for a visit; Stay for a lifetime!

Lottie Kendall, Realtor®


CA DRE#10215160; 650-465-4547

Peninsula Living Business Page



Comment balloon 8 commentsLottie Kendall • April 19 2010 06:10PM


Lottie....retirement sneaks up on planning is very important.....and you're right about real estate being a major part of planning for retirement.

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) about 10 years ago

I probably won't retire. I'll quit working when I'm no longer physically or mentally able to work. Some of my friends are already questioning my mental capacity. LOL

Posted by Russel Ray, San Diego Business & Marketing Consultant & Photographer (Russel Ray) about 10 years ago

Hi Barbara, planning IS important, but easy to put off. Sure feels good to pay attention and know you're on track!

Russel - I'm with you about retirement--I can't imagine retiring -- but I can imagine my business morphing to a slightly different direction.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) about 10 years ago

Lottie, this is a timely topic for folks starting to think about retirement.  And a great plug for Mr. Lee and his terrific services too! 

Posted by Regina P. Brown, M.B.A., Broker, Instructor (MBA Broker Consultants) about 10 years ago

Lottie:  So very happy to hear that you took this very important step.  I personally believe that it's about the best service you can do for yourselves.  Taking the classes?  Very wise,  Obtaining the analysis?  Even smarter ... as you receive a a personalized roadmap for your future.  I hold a certification for financial planning as well as my mortgage license.  I try to blend the two services together to assist my clients.  No ... I don't sell much in the way of products.  That's not my main focus.  But I think it provides me a greater depth of knowledge in how to counsel my mortgage clients.  I think this is doubly true when my clients are older.

I knew you were a smart woman, Lottie ... but this post cements that view!


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) about 10 years ago

Hi Regina -- I think people in their 40's should begin this type of analysis; then review again in their 50's as life changes. Small changes made early are much easier to make than a big adjustment when retirement is imminent.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) about 10 years ago

Good morning Gene - what a great two-step service you can offer your clients, mortgage assistance and financial planning both. They are a natural fit since they often go hand in hand. Financial planning is like business planning -- you need to have a goal, and a map on how to get there.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) about 10 years ago

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Posted by stock tips almost 9 years ago