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Too often we’ve inherited clients who haven’t heard from their financial advisor in years. As fee-only fiduciaries, we take great pride in the level of service and communication we provide to each and every client. 

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At Five Pine Wealth Management, we operate on a fee-based model to ensure transparency and alignment of interests with our clients.


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News & Updates

November 15, 2024
The holiday season is a time of joy, connection, and gratitude. It’s a perfect opportunity to extend those warm feelings to the broader community. This year, let’s consider some unique and meaningful ways to give back—ones that go beyond traditional donations and create lasting memories for you and those around you. Host a Holiday Gathering with a Purpose Throwing a holiday party? Why not make it a celebration that benefits others? Here are some ideas to turn a festive get-together into a charitable event: Donation Drives : Ask each guest to bring a non-perishable food item, a toy, or winter clothing for local shelters. Set up a designated area for donations so it feels like a natural part of the event. Charity-Themed Gifts : Instead of the usual Secret Santa exchange, make the theme "Gifts That Give Back." Encourage guests to choose gifts where part of the proceeds go to a cause. It’s a wonderful way to give intentionally while still sharing holiday joy. Silent Auctions or Raffles : If your network includes artists, photographers, or small business owners, ask if they’d like to contribute an item or service for a small auction or raffle. The funds raised can support a local charity, adding a fun and interactive element to the evening. This way, your holiday party will not only be memorable but also make a tangible impact in the community. Help Decorate the Neighborhood Adding holiday cheer to a neighborhood, especially in public spaces, brings joy to everyone and enhances a sense of community. Consider getting together with friends or family to help with local decorations. Public Spaces : Many parks or town centers welcome volunteers to hang lights, set up trees, or create holiday displays. You can help brighten public areas for everyone to enjoy. Community Bulletin Boards : If your neighborhood has a community board or local newspaper, offer to help design a holiday newsletter or update announcements with festive decorations. Offer Your Expertise : If you have a talent for organizing, volunteer to plan the decorations or fundraising activities. Many community groups would love a creative and organized hand, especially from someone with experience and resources. Decorating isn’t just about aesthetics; it’s about creating an inviting environment where everyone feels the joy and spirit of the season. Volunteer at Local Schools and Community Organizations The holiday season can be particularly challenging for schools and nonprofits, especially as their need often grows and resources are stretched thin. Volunteering is a rewarding way to offer both support and connection. Mentoring and Tutoring : Many students fall behind during the holidays due to a lack of access to resources. You can volunteer to mentor or tutor in subjects where you excel. Not only will you be helping students academically, but you’ll also be giving them a gift of encouragement and self-confidence. Supporting Holiday Events : Schools and organizations often hold holiday parties or performances. Volunteer to help set up, organize, or even fund aspects of the event. Your presence and contributions will make these celebrations possible and memorable for many. Holiday Meal Service : Community centers often organize holiday meals for those who might otherwise go without. Helping serve or donating the needed food supplies can make an enormous difference. Volunteering your time and skills in these ways brings you face-to-face with people in your community and makes the holiday season feel more personal and meaningful. Donate Blood – A Gift That Saves Lives While holiday giving often focuses on material needs, there are intangible but equally important ways to give. Blood donations are crucial year-round, and the holiday season is no exception. Plan a Group Donation Day : Coordinate with family, friends, or colleagues to make a group donation at a local blood bank or Red Cross center. Not only does this raise awareness about the need for blood donations, but it also gives everyone a chance to contribute in a life-saving way. Raise Awareness : Use your social media platforms to encourage others to donate. Share your experience and explain how simple it is to give blood and make a meaningful impact. Blood donation is a truly personal gift that goes beyond the season; it’s something that can save lives long after the holiday lights have been taken down. Collect Clothes and Toys Before the Holidays While holiday gift drives are common, there’s an advantage to starting early. This way, items can reach people in time for the season, allowing parents and children to enjoy a holiday experience they might not have otherwise. Organize a Collection Drive : Use your network to start a drive for clothes, toys, or even essential items. This can be through your workplace, a social club, or even just your circle of friends. Even if you are simply cleaning out a child’s playroom to drop at a thrift store, doing so before the holidays gets those toys onto shelves for parents to purchase in time for celebration days. Focus on Essentials : Many families in need appreciate practical items—coats, hats, gloves, and other winter necessities—along with holiday-themed toys and treats. Collecting both can provide a full package of support for those facing financial hardship. Partner with Local Organizations : Many nonprofits can use an extra hand in organizing and sorting donations. By coordinating with them early, you can make sure they have what they need in time for distribution. This early action not only meets immediate needs but also allows families to relax and enjoy the holiday, knowing their basic needs are met. How Five Pine Wealth Management Can Help You Give Back Remember, the most impactful way to give back doesn’t always involve grand gestures or significant sums. Sometimes, it’s as simple as showing up and showing you care. Hosting a small gathering, spending a day volunteering, or decorating the neighborhood may seem like small acts, but they’re what truly brings the community together.  At Five Pine Wealth Management , we can work with you to integrate your charitable and community values into your comprehensive financial plan. As fiduciary financial advisors, we are committed to acting in your best interest to help you live your values while building your wealth. If you’d like to see more content like this, subscribe to our newsletter .
November 8, 2024
We've all been there — staring at our computer screens, daydreaming about what it would be like to do something completely different with our professional lives. Maybe you're feeling stuck in your current role or have discovered a new passion that's pulling you in an exciting direction. Whatever your reason, changing careers is a significant decision that deserves thoughtful planning and a clear understanding of what lies ahead. So, let's review some important items to consider when making a move. Assessing these factors can help ensure you're making a choice that not only feels right today but will also serve you well in the years to come. Why Are You Considering a Career Change? Before we get into the nitty-gritty, let's take a step back and look at the big picture. Why are you thinking about changing careers? Is it because: You're feeling unfulfilled in your current role? You've discovered a new passion? Your industry is changing, and you want to stay ahead of the curve? You're looking for a better work-life balance? You're seeking new challenges and growth opportunities? Understanding your motivation is essential. It will help you make decisions that align with your goals and values. It will also come in handy when you explain your career shift to potential employers or networking contacts. Here’s a quick story: We had a client who came to us feeling burnt out in her high-stress corporate job. She was making great money but was miserable. After some soul-searching, she realized that what she really wanted was to make a difference in people's lives. Long story short, she's now running a successful non-profit and couldn't be happier. Although she’s making less money in her new job, she’s feeling more fulfilled in her life. The point? A career change isn’t always about chasing a bigger paycheck. Finding that sweet spot where your skills, passions, and values intersect can make all the difference. But without understanding the ‘why’ behind a possible career change, you might end up in another role that leaves you feeling just as unfulfilled as before. Evaluating Job Offers Many people think about salary first when considering a career change. While more money sounds great, there's more to consider than just the salary (though that's important too). Base Salary vs. Total Compensation When evaluating a job offer, you need to consider the complete financial picture. Don’t forget to look at:  Base salary Performance bonuses and commissions Profit sharing Stock options or equity compensation Salary growth potential Benefits Benefits can make a significant difference in your overall compensation package. According to the U.S. Bureau of Labor Statistics , benefits can add more than 30% to your total compensation package. As you are evaluating your job offers, you’ll want to also consider: Health insurance coverage and premiums Dental and vision coverage 401(k) matching HSA/FSA options Life insurance Disability insurance Paid time off Phone allowance Tuition or professional growth reimbursement These benefits might seem small compared to salary, but they can add significant value over time. Looking Beyond the Numbers When you’re contemplating a career change, it’s easy to get caught up in the numbers. But don’t forget about the intangibles that can make or break job satisfaction. Long-Term Career Growth Long-term career growth is important to consider when considering a career change. Will this new role allow you to develop professionally, or is it a short-term solution to get a pay bump? When evaluating job offers, consider these factors too: Growth Opportunities: Is there a clear path for promotion or lateral moves within the company? Are there resources for continued learning and development? Company Culture: Does the company invest in its employees’ futures? Is the company growing or shrinking? Are the company’s leaders experienced and capable of guiding the company through economic downturns? Industry Stability: What’s the long-term outlook of the industry you’re considering moving into? Is it stable, or is it subject to market fluctuations or automation? Company History: How long has the company been around? Do they have a solid record of success? Career Development Opportunities: Does the company offer training programs or certifications? Do they have mentorship or leadership programs? Does the company offer cross-functional experience? Work-Life Balance It's easy to get wrapped up in a big salary, but how will this career change impact your day-to-day life? Will the commute, hours, or stress levels mesh well with the lifestyle you want to lead? For instance, Jason spends a lot of time flying drones with his girlfriend's daughter — activities that help him unwind after a busy day at work. He could lose that quality time if he changed careers and took a role that demanded more hours or a longer commute. It’s essential to consider whether the new role allows for the work-life balance you desire. When evaluating the work-life balance aspect of the job, consider these factors: Commute : What will the daily commute look like? Long commutes can eat into your personal time and add stress. Flexibility : Does the company offer remote or hybrid work options? Flexibility has become a significant factor for many, especially in recent years. Work Hours : How many hours will you realistically be working? Some high-paying jobs come with the expectation of long hours which can ultimately affect your personal life. If you're in a position where spending time with family or having flexibility in your schedule is important, don’t overlook that when evaluating job offers. Ready to Make Your Move? Changing careers is a significant life decision. It's essential to do your homework before jumping in. Evaluating job offers goes far beyond salary. You’ll also want to consider benefits, growth potential, work-life balance, and job stability. Making the right choice for you requires a holistic approach to ensure your new role aligns with your long-term financial and lifestyle goals. The financial implications of a career change can feel overwhelming. At Five Pine Wealth Management , we help our clients make informed decisions about their careers and finances. If you're considering a career change and want to ensure your next move is right for your financial future, we're here to help. Email or call us at 877-333-1015 to schedule a meeting today to discuss how we can help you reach your goals, no matter where your career takes you.
November 1, 2024
As we wind down another election cycle, many clients have asked how the upcoming election might impact their investments. It’s a great question. Fortunately, the market has weathered plenty of elections before, and history can help us understand what might be in store for portfolios, regardless of who wins. So, let’s examine how markets tend to behave during election cycles and discuss some strategies for staying prepared. Politics and the Economy The relationship between politics and the economy can be complicated but often less dramatic than headlines suggest. Many investors assume political changes will lead to wild economic swings, but that’s rarely true. While economic conditions can influence election outcomes, they don’t have the impact many think they will have. The Presidential Cycle Theory You may have heard of the “ Presidential Cycle Theory ,” which suggests that stock markets follow a predictable pattern based on the four-year presidential term. According to this theory: The first two years after an election often show slower growth or market declines. The third and fourth years tend to be stronger as the incumbent administration implements policies to boost the economy before the next election. While this pattern has sometimes held true, it’s far from a hard and fast rule. Many other factors, including global economic conditions, technological advancements, and unforeseen events (e.g., COVID-19), can have a much more significant impact on the economy than election cycles. Long-Term Economic Trends Looking at the bigger picture, we know long-term economic trends often go beyond political parties and administrations. Factors such as demographic shifts, technological innovation, and global trade patterns typically have a more lasting impact on the economy than short-term political changes. For example, the rise of the digital economy and the increasing importance of intellectual property have been transforming our economic landscape for decades, regardless of which party has been in power. Politics and the Stock Market Investors may react to polls, debates, and election results, causing temporary fluctuations in stock prices. This is often due to uncertainty about future policies and their potential impact on different sectors of the economy. Short-Term Volatility It’s true that elections can create short-term volatility in the stock market. Volatility often increases in the months leading up to an election, but these swings are usually temporary. The stock market tends to “normalize” shortly after election results are in, as it processes the new information and looks ahead. It’s crucial to remember that these short-term movements don’t necessarily reflect long-term trends or fundamentals. Benjamin Graham, the father of value investing, said, “In the short run, the market is a voting machine, but in the long run, it is a weighing machine.” These are wise words. Sector Sensitivities Political outcomes can affect various sectors of the economy in different ways. For instance: Healthcare stocks might be more volatile during elections when healthcare reform is a major issue. Energy companies could see fluctuations based on candidates’ stances on environmental regulations or fossil fuel subsidies. Defense contractors might be affected by discussions about military spending. As an investor or business owner, it’s a good idea to consider how potential policy changes might impact your specific investments or industry. The Market’s Resilience Even though the market may experience some short-term volatility, history shows that it has been remarkably resilient to political changes over the long term. Looking at market performance over decades, we see a general upward trend that has persisted through the administrations of both major political parties. This resilience is a testament to American businesses and the U.S. economy’s long-term growth potential. It also reminds us why Five Pine Wealth Management emphasizes the importance of maintaining a long-term perspective when it comes to investing. What Should You Prepare For? Given what we know about market behavior during election years, here are some key strategies for you to consider to help you prepare your portfolio: 1. Stay Focused on Your Long-term Goals The most important thing is to keep your long-term financial goals in mind. Don’t let short-term market movements or political noise distract you from your overall investment strategy. For example, if you’re nearing retirement, your focus should be on ensuring you have the right mix of assets to provide income and stability, regardless of election outcomes. 2. Diversify Your Portfolio Diversification is always important but can be even more crucial during potentially volatile periods. Spreading your investments across different asset classes, sectors, and even geographic regions can help you mitigate the impact of election-related volatility on your overall portfolio. 3. Consider Defensive Strategies If you’re particularly concerned about short-term volatility, consider implementing some defensive strategies. Increasing your allocation to more stable, dividend-paying stocks or adding some exposure to bonds or other fixed-income investments may be a strategy to consider. 4. Look for Opportunities Some investors see elections as a time of risk, while others see opportunities. If you have the risk tolerance and liquidity, you might consider setting aside some capital to take advantage of any election-related dips in the market. 5. Stay Informed, But Don’t Overreact It’s important to stay informed about policy proposals that could affect your investments or business, but be careful not to overreact to every poll or piece of news. Many campaign promises will never become reality, and the actual impact of new policies often differs from initial expectations. 6. Consider Tax Planning Tax laws could change depending on the election outcome. While making major financial decisions based on potential future tax changes is generally not advisable, it’s wise to discuss possible scenarios with your financial advisor and tax professional. The Bottom Line Market behavior during election years reminds us that while headlines may be attention-grabbing, they rarely tell the whole story. Elections can create some short-term market volatility but should not undermine a well-thought-out, long-term investment strategy. At Five Pine Wealth Management , we believe in focusing on the factors we can control: diversification, risk management, and aligning your portfolio with your long-term goals. Successful investing is about time in the market, not timing the market. The broader market is remarkably resilient in the face of political shifts, and by focusing on the fundamentals, investors can feel confident about their strategy regardless of who wins. When you stay the course with a balanced, goal-oriented approach, you can handle any bumps along the way. Ready to Review Your Investment Strategy? If you’re concerned about how the upcoming election might impact your portfolio or if you’d simply like to review your current investment strategy, we can help. Five Pine Wealth Management specializes in creating personalized financial plans to weather various market conditions and help you achieve your long-term goals. Don’t let election-year uncertainty keep you up at night. Email or call us at 877-333-1015 to schedule a meeting with one of our experienced advisors today. We’ll work with you to ensure that your portfolio is well-positioned for the future.
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