Stress has a sneaky way of multiplying itself. You worry about work, money, family, or the future… then you start stressing about how stressed you are. It’s exhausting. Since it’s Mother’s Day season, maybe it’s worth asking: what would your mom say about all this? “Slow down.” “Take it down a notch.” “You don’t NEED…
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You have great power over the destiny of your family. In fact, you have the ability save your family… or destroy it. Yes. I am aware that probably hit you square between the eyes. In fact, I hope it did. Too many of us make all the excuses in the world to not work on…
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Today, nearly 63 million Americans — about one in four adults — serve as caregivers, and most provide that care unpaid. Many find themselves balancing the needs of their children while caring for aging parents, creating what is often called the “Sandwich Generation.” We call it the Responsibility Club — and membership can be overwhelming.…
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I love starting my day with a little time in the Word, and recently I was listening to a sermon that hit me right between the eyes. The pastor asked a simple but powerful question: Where are you getting your advice? It made me pause. Every day, we let different voices shape our thoughts and…
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Think back to the last time you took a vacation. Do you recall how much time you spent deciding your destination, where you would stay, transportation, dining, and activities for your trip? It may surprise you to know that travelers typically spend an average of 303 minutes (over 5 hours) PER DAY on travel content…
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If you are paralyzed (in this regard), there is good news. You are not alone! 68% of Americans do not have a valid Will. 63% of those making more than $80,000 per year say that “procrastination” is the reason they have not done any estate planning. Yet 52% of Americans over 55 say it would…
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Be forewarned. I am going to be candid here: Whatever excuse you just gave? It is just that—an excuse. First, it’s important to recognize that we all have dysfunctional families to some degree. Maybe you are facing substance or alcohol abuse, your kids are not getting along or there are others that don’t understand the…
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We have worked with several non-profits over the years to help them assist their donors in giving more. These charities often state that their donors want to give more, but they don’t want to put their own lifestyle at risk or disinherit their children. And, ultimately, they simply don’t think they can give more. The…
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When you start your career in life planning and wealth management you realize every day is like drinking from a fire hose. As time goes on…it doesn’t really change. Unfortunately, there is ever increasing complexity that surrounds what seems to be the simplest of planning tools. IRAs, 401(k)s, and other like-kind retirement accounts are a…
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Medi-Share, which is a Christian healthcare sharing program used as an alternative to traditional health insurance, puts out a frequent newsletter with a short devotion or two. This week’s letter came at a perfect time. In case you’ve been hibernating, there is more than a bit of chaos in the world, in our nation, our…
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Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. SEC registration does not imply a certain level of skill or ability. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.