Because our local government has issued shelter-in-place restrictions beginning March 26, 2020, Clearview Wealth Management will be working remotely for the foreseeable future. We will continue to be available by phone or video conference to discuss your situation, continue your planning and assist you with money movement in your portfolios. You should continue to call our office number at (704) 837-4317 to reach us directly since our phones automatically roll to our cell phones. Because our applications reside in the cloud, we are fully operational whether we are remote or in the office. We continue to be fully available via e-mail and will be checking U.S. postal mail regularly. You are always able to contact your custodian directly to assist with any transactions within your account, if for some reason we are unavailable to assist you immediately. Charles Schwab 800-515-2157 Fidelity Investments 800-343-3548 National Advisors Trust 877-527-3476 Access to your personal website and the secure vault will continue to be the best way to transfer forms for signature, as well as provide a place to upload completed tax returns. Here Read on! →
I would hazard a guess that for many of us, answering the phone has become an exercise in frustration. If you are like me, regardless of the efforts I have taken to place my number on the DoNotCall registry and to use my caller id to prescreen before answering, I am still bombarded with scam calls each and every day. What makes it worse is that the robo-callers and scammers are now using a technique called “spoofing” where they can disguise their identity on caller id and make it appear that a legitimate business is calling. This spoofing technique has resulted in innocent individuals picking up the phone believing that the IRS or Social Security is calling and ultimately being strong-armed into releasing personal information to the callers. A recent article by the Federal Communications Commission (FCC) discusses this issue and provides the following tips to avoid becoming the victim of a call scam: Don’t answer calls from numbers you don’t recognize. If the caller is not who you were expecting, hang up immediately. Never give out personal information such Read on! →
Many of us are familiar with the Serenity Prayer. Most individuals understand there are areas of their lives which they can’t control, as well as areas which are entirely within their control. Thankfully, having the serenity to accept, the courage to change and the wisdom to know the difference might just make the financial journey more enjoyable. In financial planning, there are aspects which are “known” and entirely in your control. There are also those things which are “assumed”, that may or may not be in your control and that can lead to an uncertain outcome. A well-constructed plan dives into the details of your life, documents the known factors, and makes educated assumptions about what the future might hold and predicts an outcome. Some of the assumptions however, are made in areas that are entirely out of your control and therefore can sometimes seem like a shot in the dark. So what does all of this mean for a secure future? For retirement planning to be most successful, you must distinguish which areas you can control and those you Read on! →
Cheryl Sherrard, CFP was quoted recently in a Learnvest article by Meghan Rabbitt, entitled, “Just Dating? 3 Money Topics to Discuss before you get Serious”. Dating discussion #1 included talking about your family money histories. For instance, if he grew up with no money, he may have an inordinate fear of never having enough. On the flip side, if his parents always forked over cash, he may have never learned to delay gratification, says Cheryl Sherrard, a Certified Financial Planner™ (CFP®) and director of financial planning for Clearview Wealth Management in Charlotte, N.C. Knowing what shaped his views can help you compare his experiences to your own and see where your differences may lie. “I think people tend to assume that everyone else will deal with money the same way they do, and don’t think about the fact that money—or the lack thereof—can carry huge emotional ties as well,” Sherrard says. Dating discussion #2 focused on your Debt Situation. Debt can be a squirm-inducing, four-letter word in the realm of dating. But it ranks high on the list of important Read on! →
An article posted December 8, 2015 by Sallie Krawcheck highlights “The Top 10 Financial Mistakes Women Make”. Here are her top 3 mistakes; see if they apply to you. Letting your husband or partner manage the money without your involvement. Signing your joint income tax return without reading it. Using your husband’s or partner’s financial provider, even if you don’t really like/know/can’t stand him. For the complete article, click here. If you want to be empowered and educated about your own financial situation, contact a Clearview Wealth Management advisor to discuss.