Securities and advisory services offered, in states
where licensed, exclusively through representatives of KMS Financial Services,
Inc., Member FINRA/SIPC and an SEC
Registered Investment Advisor.







This site is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any securities or investment advisory services which may be referenced herein. We may only offer services in states in which we have been properly registered or are exempt from registration. Therefore some of the services mentioned may not be available in your state, and if not, the information is not intended for you. Securities and brokerage services are limited to individuals residing in states which both KMS Financial Services, Inc. and Darren McGraw are licensed. Those states are currently: Washington, Oregon, Montana, Idaho, California, and Arizona.







Monday, August 16, 2010

Financial Planning With Intention and Ignition

Chad Wall and I talked about starting Wall Financial Group for a few years back in the 1990s without much courage to do anything about it. We’d talk about the concepts and the business plan and many of the other nuts and bolts of starting our business, but we lacked intention and ignition. We were motivated by the idea but didn’t act, and for more than a couple of years we fought the urge to start something we were excited about and instead stayed with what we thought was safe and comfortable.

The problem was, we weren’t happy in that safe zone. And as many people have found out over the last few years, “safe” isn’t always safe given corporate buyouts (and bailouts), acquisitions, down-sizes, etc. There are two futures ahead of you; one you can wait for, and one that you can go get. I’m not convinced that waiting has any real element of safety to it.

Ideas like making a career change, or moving to a different city, or choosing to become a one-income family, or retiring aren’t easy to execute. There are many working pieces to your financial machine and they all have to be clicking at the same speed if there’s to be any chance of success. This is why we stress the importance of goal-based planning. Putting those goals out there, making a statement as to what you want and how you intend to live is essential for getting your financial life ready to support how you want to live.

If you have a dream of occupation, or of charity, or of just living a happier life think of Abraham Lincoln’s quote, “The best way to predict your future is to create it”.  You start by declaring your intentions.  We then can help you take action.