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Plan For Retirement The Right Way with These Tips (FCL Apr. 17)

well planning for your life is always personal and a lot of times you want to be in full control but could you benefit getting out of your own way when it comes to financial retirement plan well Adam wolf Jacksonville’s retirement coach is here to explain how that works and Adam is one of the area’s leading certified financial planners his firm Wolf’s retirement navigation helps people plan for a successful retirement good to see you again brother great see Curtis all right how often do you do you run into a client who comes in and tries to tell you how to do your job yeah it’s about it’s about 50/50 and it’s it’s amazing because if we look at it and I try to do what you do it’s it’s almost next to impossible I mean my mother was a middle school teacher she also ran daycare centers I could never do that you know being around mourning and my daughter is too many kids so everybody has their idea of what they want retirement to look like they just need somebody to help them along the way and design that perfect retirement for them and that’s that’s what you do and I’m sure you get a lot of people saying they heard something on this TV show in this TV show and I think this is but it takes somebody like you who studies the entire thing to give them the best advice but what would you have an example of somebody who finally after you talked to him they saw the light and they were like here’s the keys to my portfolio go ahead yeah the best the best ones are there’s a perfect example one where the couple came in and they thought they both had to work another two years and so we took a look at what they had saved in their IRAs in their 401ks the gentleman had a pension and they both had Social Security we were able to design that plan to get her retired like within a month with him within a year and so let me tell you they’d like naming their pets after me now cuz they love you so much but it’s it gets to that point where that’s that’s why I do what I do because I do it every day and I’m there to help people meet their needs and get to that retirement that they truly dreamed of and I think that’s what the important part there is knowledge knowledge is power as they say we all learned that from school school of schools School House Rock but what what why is it so important for people to be not eligible about their retirement yeah so a lot of times you know they design it themselves or they’re working with somebody else who’s just may be focused on investments during their working years and as we get closer to retirement we have to take into account the investments the risk that goes into the taxes they the you know do we do we want to have enough that we’re gonna live and leave to our next generation and we want to take care of the spouses there’s so many nuances to retirement planning and that’s why we we focus on retirement planning and so doing that every day day in and day out is going to help our clients going forward and we hold education seminars we have workshops as well it’s all about the latest and greatest strategies new information new tax laws to better your overall life and retirement well for those people out there who are gonna come and see you obviously after seeing this so that they don’t come again let him do his job but so that so that they come fully prepared what are the type of things they should they should gather before coming to see you yeah we take we make the process very relaxing unlike a lot of financial services shops we have a great you know introductory meeting you bring what you’re comfortable with we have a list of items to gather as well to have an inventory of what you have but that really that first meeting is just you know what are your goals what are you trying to accomplish you know what have you you know you saved over the course of your retire of your working years to get you to in through retirement and because we only focus on retirement it allows us to key in on those issues that they really need to focus on to get them the best retirement possible good stuff all right man is good to see you again good see you if you’d like to learn more Adam has a great offer folks listen up for the first five callers with a portfolio of two hundred and fifty thousand dollars or greater he’s offering a complimentary full blown retirement plan just for you all you gotta do is call right now and that number is on your screen nine zero four two three two eight seven six zero again nine zero four two three – eight seven six zero that’s an incredible offer and you can

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How To Decide On A Career

– I do have a lot of, I know, Millennials, and young people asking me, you know, Dan, how do I pick the right career for my life? And I believe that picking the right career is probably one of the most important decisions that you’ll ever make, because when you pick the wrong career, you can waste a lot of time, and years sometimes, if you ever had this experience, you pick a major in school, and then you study that for a few months, maybe even a couple years, you’re like, you know what, actually, I don’t like this subject that much. It’s because my friends told me I should take this, or my mom and dad told me I should take this, but actually, I hated this, I don’t like the subject, I don’t like the school, I don’t like what I’m studying, I don’t think I’m going to have a career, on this particular path, and then you switch.

And they try something else, and you’re like, no that’s not quite what it is yet, and they switch again, in between you’re wasting a lot of valuable time. So, when it comes to picking a career, let me share with you my own experience. Now, I wish I could tell you that, this is, I got here, because this is exactly how I envisioned myself and what I’m going to do. It’s not like that at all, because in the very beginning, all I wanted to do was to provide for my mom, because when my dad when my dad went bankrupt, with over a million dollars in debt, he could no longer send us money.

He was in Hong Kong back then, so I’m the only child in my family, I had to take care of my mom, so, all I wanted to do, forget about career, forget about finding my path, I just wanted to make some money, so that I can eat, so that we can have food on the table, that was it. So, fast forward today, I have to say I have the greatest job in the world.

I get to work when I want, where I want, with whom I want. Having such a great life style, being able to, not just materialistic things, but everything that I have, right. That I’m able to impact so many people’s lives, as a global educator. Now back then, it didn’t start off like this, so I believe to find the right career, number one, the very first piece of advice I want to give you is, if you’re a young person, and you are not so sure what is the perfect career for you, it means that you have not tried enough things. Because it’s like sports, how do you know what sports you would excel in, if you haven’t played enough? So let’s say you’ve only played basketball your whole life. You’re like, you know what? Maybe I’m a pretty good basketball player, but maybe you’re only five foot five. And you thought, you know what? This is what I like to do, maybe this is my career.

Well, maybe you haven’t tried other things. Have you tried swimming? Have you tried football? Have you tried soccer? Have you tried ping pong? Have you tried other sports? When you try enough things, it is a elimination process, very quickly you would know, you know what, that’s not my thing. For example, I’m a horrible painter, right? I am not a good artist, that’s not my thing, right, I’m horrible with that. I would not have a career in that. In spite, other people might love it, but I can’t even draw like a stick person well, right, my handwriting is not good. So that is not my career, eliminate it very, very quickly, okay, and then for athlete, or sports, and a lot of these different things, that’s not my thing either, so I’m not going to have a career in those professions, so I eliminate that.

So when I was young, my dad actually wanted me to be a lawyer, when I was very young. And I thought, yeah lawyer is my thing, I’m gonna be a lawyer, right, and after I learned a little bit more about it, no, I’m not going to be a lawyer, right. I learned that that’s not my path, it’s the path that my dad wanted for me. Then later on, actually, I wanted to be a firefighter, I still, nowadays, I love firefighting movies, I have an uncle of mine who is a very, very good firefighter, he’s been firefighting his whole life, I always would like to talk with him, and he shared all these stories with me, these just like life altering and life changing stories, and so my uncle was a firefighter, but then I found out that’s not my thing either. And then, once I learned martial art, I though, I am going to be a martial art instructor, that is my calling, I want to open up a little school, and that is what I’m going to do for the rest of my life, because I like to teach, and the problem is, that when I found out that my instructor, my martial art instructor actually couldn’t even make rent, he was struggling with just a few students, I’m like, I love martial arts, but I cannot make a living doing this.

I cannot help my mom doing this. So that doesn’t work either. And I tried many, many different things, I stumbled upon business, I started being a copywriter, and consultant and speaker, and a lot of these different things, and not in a million years could I imagine I would be doing what I’m doing today. It’s only after so many of this zigzag, zigzag and I found my place. You see, in life it’s very important for you to find your place. To find a place, where this is where you belong, this is what you were meant to do.

I believe, and not everyone agrees with me on this, that I believe your career, if your career, you just focus on, I want to do what I love, you will struggle financially. You have to get the money thing out of the way first, so you can have more choice, so you can take that money and invest in yourself. You have to make some money first. And that’s what I did, I wasn’t just, I wasn’t following my passion, I just wanted to make a living. So first, profit. Your career, if your career can make you profit. A decent amount of profit, you have to start with that. You see, in the Asian culture, even in Chinese culture, Chinese doesn’t talk a lot about passion, they work long hours, if you’ve ever been to Asia, they work and they want to make money. In North America, it’s some think the opposite. When I came to Canada, it’s much more, laid back, and say, I want to find my calling, I want to find what’s my gift.

It’s okay I’m struggling financially, I want to find my thing. In Asia it’s like, what the fuck are you talking about. You talk to Asian people, they’re like, you do whatever makes you the most amount of money, like duh. Nothing right or wrong about between both philosophies, but I found that at first, focus on profit. Find something that can make you money. So you get money out of the way so you can focus on what’s important, and that’s life, you get your time back. Then once you’re making good money, if you can also find something that you’re passionate about, that would be good. If you can combine profit, with passion. And if there’s something that you’re passionate about, for example, when I found out that I love teaching, I love speaking, great, I’m passionate about it. I learn, I study, I master the craft, and I get better, and I make more with that. And people pay me more, more, more money doing that. I thought to myself, this is great, I don’t like golfing, I don’t like fishing, that doesn’t interest me, but teaching, I love this. This is my hobby, this is my passion, this is what I love to do, it doesn’t get old.

This is how I can be on stage for days, and I can talk without a script because of that. It’s my passion. So when I can combine passion and profit, guess what, you make more profit, cause you love what you do. And if you love what you do, of course, you get good at what you do, then at the very end, when I hit 30 years old, I found my purpose.

I found that this is what I want to do for the rest of my life. When I know what I do impacts people’s lives. When my father passed away, and I thought to myself, what’s my legacy, what do I want to be known for. Do I want to be known for as, I can imagine it in my funeral, at my funeral, I’m lying down there in my casket.

Do I want people to say, you know what? Dan Lok has made a few dollars. He’s successful financially, he’s a wealthy guy, or do I want people to say, you know what? That man changed my life. And I say, I want people to say, that man changed my life. And I found my purpose, and that’s why I do what I do today. I can combine my purpose, with my passion, and also makes a lot of profit, all into one.

When you can do all that, that’s very, very special. And I’m very, very grateful, I have found my ideal career. Now, my career may not be your career, but start with profit, then maybe through that, you’ll find your passion, then when you know to a point, this passion may become your purpose. That thing you, if you ever get to that, you are very, very lucky person. I am a very, very lucky person. When I can live every day living my purpose, following my passion, and also making a lot of profit, life doesn’t get better than that. So that’s my recommendation, that’s what you need to do. No one can tell you, I cannot tell you, no one can tell you, you’ve got to find your own path. But, that’s my recommendation, that’s how you decide on your career. .

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