THE SEASON OF GIVING

I love this time of year. It helps us reflect on the most important things in life. It is a season filled with meaning and an opportunity to connect with family and friends. I wish you a blessed and special holiday season filled with love and joy.

This time of year is often called the season of giving because it encourages us to reflect on the many blessings we have received and to turn our thoughts toward others in need.

It brings me great joy to help my clients improve their financial lives. Recently, many of you have shared how exceptional the gains in your retirement accounts have been over the past few years—greater than anything you have experienced before. Hearing that feedback is exactly why I do what I do. Thank you for sharing your success stories.

I consider myself a dreamer and often think about how to make a positive impact on the world. My clients are wonderful people, and I believe many of you share my desire to make the world a better place.

One conundrum I wrestle with is the reality that focusing too much on money can make us more selfish and less charitable. Unfortunately, research studies confirm this tendency.

There is nothing inherently bad about money. Like most areas of life, the key is achieving a healthy balance.

With that in mind, I would like to issue a challenge to all of us to create more meaning and impact with the wealth we build together.

My request is simple: I ask that you consider donating 10% of the money my investment system earns for you each year.

I am not asking you to donate 10% of your investments—only 10% of the annual gains. My Growth and Safety Fund is designed to generate long-term returns of approximately 14% per year.

For example, if you are investing $500,000, a 14% return equates to approximately $70,000 in annual gains. A 10% donation would be $7,000.

Even after making that donation, your net gain would still be $63,000, or a 12.6% return. Considering that most investors earn closer to 7% per year on their own, you would still be well ahead.

Those who are able to give more are encouraged to do so, while others should give what they can. And remember, giving your time to causes you care about can often have an even greater impact than financial contributions.

Many of you are fortunate to have saved more than enough to support yourselves throughout your lifetime. You can help your children, live comfortably, and still make a meaningful difference by supporting causes that matter to you.

Our generation has amassed great sums of wealth - more than any other generation in history.

We can’t take our money with us when we go, and there is no shortage of critical needs in the world today. We can all live well and make a difference.

Merry Christmas and Happy Holidays! 

Phil

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