The Investment Coach

On June 21, we celebrate the Summer Solstice and maximum light in the Northern Hemisphere. It’s a time for relaxed celebrations with family and friends. It’s a time to use our hard-earned money for fun and meaningful diversions, even as we recognize that time marches on.

A group of 15-year-old girlfriends, decided to meet for dinner. They discussed where to eat and finally agreed on McDonald’s next to the Sea Side Restaurant because they only had $12 between them, and Jimmy Richards, the cute boy from gym class, lived on that street.

Ten years later, the same girlfriends, now 25-year-olds, discussed where to meet for dinner. Finally, they agreed to meet at the Sea Side Restaurant because it had free snacks, there was no cover charge, the beer was cheap, the band was good, and there were lots of guys.

Ten years later, the same girlfriends, now 35-year-olds, discussed where to meet for dinner. They agreed to meet at the Sea Side Restaurant because the combos were good, it was near the gym, and if they went late enough, there wouldn't be as many whiny little kids.

Ten years later, the same girlfriends, now 45-year-olds, discussed where to meet for dinner. They agreed to meet at the Sea Side Restaurant because the martinis were huge, and the waiters resembled life guards, wore tight pants, and looked like hunks.

Ten years later, the same girlfriends, now 55-year-olds, discussed where to meet for dinner. Once again, they agreed to meet at the Sea Side Restaurant because the prices were reasonable, it had windows which opened to cool breezes (in case of hot flashes), the wine list was good, and fish was good for their cholesterol levels.

Ten years later, the same girlfriends, now 65-year-olds, discussed where to meet for dinner. They agreed to meet at the Sea Side Restaurant because it had an Early Bird Special and the lighting was good.

Ten years later, the same girlfriends, now 75-year-olds, discussed where to meet for dinner. They agreed to meet at the Sea Side Restaurant because the food wasn’t too spicy and it was handicapped accessible.

Ten years later, the same girlfriends, now 85-year-olds, discussed where to meet for dinner. After much discussion, finally they agreed to meet at the Sea Side Restaurant because they’d never been there before.

Summer seems so brief these days. When I was growing up in Florida, we had a full three months out of school before starting in September. Now, school begins in early August and parents start getting kids ready in late July. That’s why so much activity gets crammed into June and early July. As we deal with milestone events in our own lives, the lives of children and grandchildren, we realize how fast time gets past us. Think about what you were doing in mid-to-late June ten years ago. Seem like just yesterday?

What will you be doing ten years from now? What will your children and grandchildren or other loved ones be doing ten years from now? What will change? What won’t? It takes time to make a meaningful life transition. What needs to be planned for? How does money and other resources play into moving from one situation to a new normal? An emotional reaction at a time of forced change does not make for satisfactory outcomes. How old will you be in ten years? How old will be those you love and care for be in ten years?

Toast those you love as we officially welcome summer. Toast the 85-year-olds in your life that still laugh and joke about the aches and pains and joys of lives well lived. Celebrate the gifts of life, friends, family, and God-given wisdom and blessings.

Enjoy the light!

Lewis Walker, CFP®, is a financial planning and investment strategist at Capital Insight Group; 770-441-2603. Securities and advisory services offered through The Strategic Financial Alliance, Inc. (SFA). Lewis Walker is a registered representative and investment adviser representative of SFA which is otherwise unaffiliated with Capital Insight Group. Lewis Walker is a Gallup Certified Strengths Coach and a Certified Exit Planning Advisor (CEPA®).

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