prosperityinc_000014186302mediumOften times I hear from clients that the Mack­ey Advi­sors™ expe­ri­ence wasn’t at all what they expect­ed.  Some­times that imme­di­ate­ly hap­pens even after their first meet­ing with us.

We strive to be a breath of fresh air in the finan­cial ser­vices pro­fes­sion.  Mon­ey is a sen­si­tive top­ic and it demands an envi­ron­ment where folks feel empow­ered and at ease.  Too often I hear that peo­ple felt intim­i­dat­ed by their encoun­ters with advi­sors in the past.  Led through mahogany offices with stock tick­ers run­ning on the flat screen, they found them­selves sit­ting in a very much but­toned-up office expect­ing to be judged.  For those of you with a mis­chie­vous past, think back to the principal’s office.

Worse than expect­ing to be judged, many folks who engage an advi­sor in these envi­ron­ments are judged.  They leave feel­ing beat­en up, regret­ting their past finan­cial deci­sions, and hav­ing been told how much they should save, how much they should spend, and how long they should work.  Instead of being engaged and empow­ered by their finances, they are often more over­whelmed then ever and cer­tain­ly no more edu­cat­ed.

At Mack­ey Advi­sors™ we pitch that approach right out the win­dow from day one.  When some­one reach­es out to an advi­sor there is usu­al­ly a rea­son why it’s become a good time to talk about finances.  That is where the con­ver­sa­tion starts.  We think of our­selves as excel­lent advi­sors, but at this point we have no more a clue how much one should spend or save than they do.  We work togeth­er with clients so they can dis­cov­er what is “enough” for them and what will make them feel and be pros­per­ous today, tomor­row, and twen­ty years from now.

Once this clar­i­ty is achieved, goals become more flu­id and we have the basis we need as advi­sors to make sure the goals can be met.  For every action in one’s finan­cial life there is a why that has been answered.  When ques­tions are answered, con­fi­dence can rule the day and the bar­ri­er that can stand between finances and hap­pi­ness dis­solves.  With vis­i­bil­i­ty and account­abil­i­ty in our finan­cial lives choic­es can be made with con­fi­dence and enjoyed.  For instance, it does no good to make the deci­sion to trav­el to Europe if the whole time you are there the back of your mind is filled with fear over whether you should have spent the mon­ey.

It also means one of the scari­est parts of our mon­ey life…investing…begins to have real mean­ing.  Instead of wor­ry­ing about achiev­ing an exact dol­lar amount at some point or get­ting an aver­age rate of return, you can relax.  In the tra­di­tion­al finan­cial advi­sor world these are the focus.  In our world build­ing a port­fo­lio that meets your goals and all the “cool” things you want to do in life is para­mount over an arbi­trary num­ber.

As indi­vid­u­als and fam­i­lies you have to do what is right for you regard­ing your finances, but I urge you and chal­lenge you to be bold and be will­ing to get per­son­al.   Sur­round your­self with the best coach­es and resources you can and cre­ate your own finan­cial path instead sub­mit­ting to one cre­at­ed for you.