financial goals

What Did Don McLean Mean?

© Can Stock Photo / HHLtDave5

The song American Pie is one of the most iconic pieces of pop culture of the last century. Don McLean used its poetic imagery to evoke events and trends both from the world of rock and roll and American society. The narrative he wove caught the imagination of millions.

Some of its references seem clear, while others have multiple interpretations. It seems like thousands of people took a crack at decoding the entire, long, song. From then until now, each listener constructs their own meaning from it.

McLean himself was loathe to interfere with the meanings that people drew. For decades he refused to say anything about the commentary of others or describe in greater detail his own thoughts about any of the references.

The single thing he did say has obvious applications to the things we collaborate on with you. In concerts and interviews, he would share what it meant to him: “It means I don’t ever have to work again if I don’t want to.”

Isn’t that what many of us strive to do with our working years? We use our skills and talents and effort so that someday we can say, “I don’t ever have to work again if I don’t want to.” Few of us produce an epic work at a young age that sets us up for life. But many of us, like McLean, depend on the fruits of our labor to achieve financial independence.

There is a process that turns your skills and talents and effort into wealth that may get you closer to your goals. It’s why we are in business.

Clients, if you would like to talk about this or anything else, please email us or call.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.


Fruition, What a Wonderful Word!

© Can Stock Photo Inc. / gregepperson

We’re inspired by recent conversations with clients and friends whose plans, as they say, have come to fruition. Fruition—the realization or fulfillment of a plan or project—scarcely begins to describe the satisfaction and joy we’ve seen.

The recent retirees after downsizing to a maintenance-free home, going to art festivals instead of pulling weeds, having more dinners with their descendants, seeing more ball games… people going on that Alaska cruise or the tour of Italy… hobbies becoming true avocations. These are some of the plans we’ve seen come to fruition for people we are close to.

A wise person once said that a plan is a dream put into writing. We are in the business of trying to make the arithmetic work for people who would like to try to make their dreams come true. We’ve written before about the best way to retire and the point is, dreams are personal. What are you trying to do? Where do you want to wind up?

One of the privileges of long experience in our work is seeing the realization or fulfillment of plans made long ago. But life sometimes throws curve balls. So we’ve also seen adaptations and adjustments made by people who would have preferred to avoid the need for adjustments. Not everyone we love lives as long as we wished, health may be fleeting, and circumstances often present a mixed bag. The point is, sound plans usually put us in better shape to deal with the unanticipated.

Money is not the most important thing in the world. But it is also true that resources give us options we might otherwise not have. Wealth may free up our time, and time is what life is made of. Dreams and arithmetic working together may make the best things more likely. If you would like to discuss your dreams and plans in greater detail, please write or call.