First Some Announcements:
- Your Investment Partners with Paul and Garrett is now up to ten episodes! If you have a minute come join us for an in-depth conversation about all things financial. Recent episode covers the Retirement Danger Zone. (When you listen, give us a five-star review, and share it with someone who could benefit from the conversation!)
- To Listen Through Apple Podcasts Click Here
- To Listen Online Click Here
- Recent Blog Posts include: 10 Tips to Save Money on Holiday Gifts, Retirement Hobbies you Never Knew Existed, End of Year Money Moves for 2022 and more.
- To read visit: Click Here
- Cash Management
- Rates have continued to rise. If you have additional cash still not earning much interest but you are not wanting to add it to the stock market, CD rates, money market rates, and bond rates offer a compelling alternative. Give us a call to discuss your situation!
- Millions of dollars in lost or unclaimed money are turned over to the state every year. This money comes from places like dormant bank accounts, old stock certificates, and uncollected insurance checks. Checking once a year is a good way to see if any of it is yours, and if you collect some, let us know!
- Nation Wide: https://unclaimed.org/
- Utah: https://mycash.utah.gov/
What Happens when You Refer Someone to Work with Us?
First off, a very big thank you is in order. Thank you for sharing our name with your friends, family, and coworkers. Thank you!
So, what happens when you refer someone to us?
It starts with a phone call. Usually, a fifteen-minute conversation where we discuss their questions. We know we cannot help everyone, and we use this introduction phone call to learn about their unique situation. If it is not something we can help them with we get them directed to someone in our trusted network to help solve their problems. This way you do not have to worry if your friend or coworker is a fit for us, we happily talk with everyone to get them pointed in the right direction.
If we can help someone, we invite them to come in, or a Zoom meeting or phone call, to get a full understanding of their questions and situation. This first meeting we clearly explain that there is no “sales pitch” coming. The goal of this first meeting is understanding. The only invitation to this meeting is if they would like to come back for a second where we share a few solutions and ideas.
We then take all this information, use decades of experience, thousands of hours of training and mentoring by the industry’s top experts to answer their questions. We assemble a financial plan that fits on one page and is written in plain English. The focus is on four main areas, cash flow, taxes, investments, and risk. We then invite them back for a second meeting.
The second meeting, if they choose to return, we present a basic financial plan based on their unique situation and questions. We point out the tradeoffs they are making and where we see areas of improvement. They will have a few simple solutions and answers to their questions. However, we do point out that a sales pitch is coming. We say you are welcome to take what we have presented and be on your way. Or here are a few ways that we can improve your financial plan and help you execute to work towards reducing stress and improving your finances.
Then we invite them to go home and sleep on it. These are big decisions and we do not want them to feel pressured. We invite them to consider questions like “Do I trust the team at Ascend Investment Partners?” “Will the benefits they provide exceed their cost?” “Do I understand and agree with their investment philosophy?”
If the answer is a yes, we invite them for a third meeting where we answer any last questions and begin the paperwork signing process.
Clear and open, we want everyone who works with us to choose to work with us. We have been in business a long time and understand that high pressure sales do not drive a successful business.
Thank you again for your trust in us. We wish you and your family a Merry Christmas and Happy Holidays!
Garrett G. Smith
Ascend Investment Partners
Paul M. Norman, CFP®
Senior Financial Advisor
Ascend Investment Partners
214 South Main Street
Logan, UT 84321
175 Historic 25th Street
Ogden, UT 84401
Ascend Investment Partners is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.
Ascend Investment Partners did not assist in the preparation of this report, and its accuracy and completeness are not guaranteed. The opinions expressed in this report are those of the author(s) and are not necessarily those of Ascend Investment Partners or its affiliates. The material has been prepared or is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy.
This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
The commentary on this website reflects the personal opinions, viewpoints and analyses of the Ascend Investment Partners employees providing such comments, and should not be regarded as a description of advisory services provided by Kesler, Norman & Wride, LLC dba Ascend Investment Partners or performance returns of any Ascend Investment Partners Investments client. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Ascend Investment Partners manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.