Carlson Capital Management

Integrated Wealth Management

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Lessons From a Previous Life

Matt Morehead
Matt Morehead, J.D., CEBS

Senior Integrated Wealth Advisor
507.206.2801
507.206.2811 (Fax)
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  Helping our clients do great things with their wealth over time, as defined by them, and witnessing their resulting fulfillment, is extremely gratifying to me.  

Professional Biography
Matt Morehead is a Senior Integrated Wealth Advisor at Carlson Capital Management. In this role, Matt partners with clients and their families, providing the firm's fully integrated wealth management experience including investment management, retirement modeling, estate and educational planning and all other aspects of general financial planning and client care. In this role, Matt also connects clients with the firm's specialists for overall portfolio management as well as direct access to expertise in areas such as tax planning and insurance analysis.

Matt joined CCM with more than ten years of experience serving the wealth management needs of affluent individuals and families in various leadership roles at firms in both Denver, Colorado and Baltimore, Maryland. Matt received his Bachelor of Science degree, with honors, from the United States Coast Guard Academy, and began his career as a Coast Guard Officer in Duluth, Minnesota, driving an ice-breaking and search-and-rescue ship on Lake Superior. After his shipboard tour in Duluth, he then went back to the Coast Guard Academy as an admissions officer and leadership instructor, and simultaneously earned his Juris Doctorate from the University of Connecticut School of Law and his Certified Employee Benefit Specialist (CEBS) designation from the Wharton School of Business at the University of Pennsylvania and the International Foundation of Employee Benefit Plans. Matt’s tenure as a wealth advisor followed law school, when he turned in his Coast Guard uniform for a coat and tie to serve people in a different way, helping a small group of individuals and families navigate the often difficult waters of properly managing their wealth.

Matt has been recognized with numerous Coast Guard awards, as a Forty Under Forty rising business leader in Denver, Colorado, and as a Denver area Five Star Wealth Manager for his work with affluent families. Community engagement is a priority for Matt. Through the years he has been an active member with Rotary International, and currently serves on the board of directors for the Rochester Area Chamber of Commerce as well as for the pediatric transplant house, Cy's Place. Matt enjoys playing golf, cooking, and being a dedicated hockey dad and chauffeur. Matt, his wife Heather, and their son and daughter reside on the beautiful campus of Shattuck-St. Mary’s in Faribault, Minnesota. Matt is based in CCM's downtown location in Rochester, Minnesota.

Personal Thoughts
When I was a football player at the U.S. Coast Guard Academy, there was a saying above our locker room door that read, “Obstacles are what you see when you take your eyes off the goal.” That quote has stuck with me through the years, having more relevance to me now as an Integrated Wealth Advisor at CCM than as a young cadet at the Academy. I enjoy getting to know each of our clients on a deep level, understanding their goals, and in many cases, helping them to determine and prioritize their goals for the future. I then enjoy partnering with my CCM colleagues in their specific areas of wealth management expertise to make these goals actually happen, continually trying our absolute collective best to jump over, crawl under, or go around the obstacles that can inevitably pop up along the way. Helping our clients do great things with their wealth over time, as defined by them, and witnessing their resulting fulfillment, is extremely gratifying to me. I can’t think of a more worthwhile and satisfying pursuit.

Matt and other members of the CCM Advisory Team regularly post articles of interest on financial planning which you can find here.

Matt Morehead
Matt Morehead, J.D., CEBS
Senior Integrated Wealth Advisor

For nearly 20 years, I’ve had the privilege of working with clients to create financial plans that are designed to help them achieve their life goals. In this time, I have found that experience is the greatest teacher. I have learned so much by going through multiple market cycles and working with a wide variety of individuals and families, each with their unique set of circumstances. Periods marked by significant market volatility and economic uncertainty, most especially the Global Financial Crisis, provided me with experience and tools to help guide clients through challenging times in the markets. Similarly, almost 20 years of walking alongside many families through life’s events has given me the ability to learn from each of those experiences and apply those learnings to assist other clients.

As I reflect on how experience anchors me in advising the clients I work with, I think about another chapter in my life that provided me with invaluable insight and wisdom. It also relates to how our team at CCM is providing counsel to clients through challenging times, such as what we’re all experiencing now. I am a graduate of the U.S. Coast Guard Academy and was an officer in the U.S. Coast Guard prior to becoming a financial advisor. While on my first shipboard assignment after graduation, there were many times where I was assigned to be the Officer of the Deck (OOD). In essence, I was steering the ship and had full responsibility for keeping the ship and our crew safe, while carrying out our assigned mission. Frequently, I
was commanding the ship at night in the total darkness and fog of Lake Superior.

When other vessels were far away on the horizon, running at full speed, it was difficult to ascertain their direction by just looking at their running lights. Fortunately, we had radars and other sophisticated equipment on board to help identify what was in front of us. Even then, it was very easy to “lose the big picture” of what was going on. Especially when there were multiple vessels on the radar screen going different directions and speeds amongst the chaos of all the other decisions I was needing to make in furtherance of our mission. Losing the big picture in this type of role was very easy to do and meant lives could be lost.

Unforgettable Advice

During my training, I received an important piece of advice from one of my senior commanding officers. He said, “When you are up here on the bridge, you have all of our lives in your hands with your decision making. If you don’t have a clear picture of what is going on visually or on the radar, slow our ship down. It is amazing how that one act, alone, can give you the clarity you need to make the right decisions and keep everyone safe.”

It was during this training that my senior commanding officer was reminding me that there are some things that we can control during times of uncertainty, and it is those things on which we should focus. At CCM, we
constantly focus on areas we can control with our clients, such as asset allocation, diversification, proactive financial planning, tax efficiency, and discipline, to name a few.

Things We Can Control

Given these unprecedented times, some of the ways you can “slow the ship down” while we get better optics into the future, include the following:

Evaluate Spending.
Consider reducing the draw on your portfolio—that is, spending. It is always prudent to review spending to make sure it is consistent with your values, priorities, sense of stewardship, and goals. Additionally, keep in mind that any dollar not spent can participate in future growth.

Spending is the “a” variable in the Wealth Equation.© As we manage your bucket of wealth, we are cognizant of the fact that having enough money for your short-term needs as well as long-term goals and throughout the span of your life, is a very important, if not the most important, objective. If you manage your expenses with a budget, you have ready access to a tool to help determine which levers you can pull to adjust spending. If you don’t use a budget, a spending rate of 3-4% of your portfolio continues to be a reliable benchmark.

CCM’s Wealth Equation© is a proprietary financial planning tool used to illustrate the core variables of one’s assets to enhance and bring clarity to important conversations and decisions about wealth.

Stay Disciplined.
In addition to evaluating spending, recognize that staying disciplined is in your control. That is, staying committed to your financial plan and your asset allocations. While we may be managing this with you, your commitment to this is what matters the most. As we shared earlier, CCM clients collectively have stayed very, very disciplined through the present market volatility. This is highly commendable as it is not easy to do, but it is a key to long-term success.

Focus on Time, Not Timing.
While trying to time the markets becomes very tempting in times like this, when we slow the ship down, we’re reminded that for long-term investing success we need to focus on time, not timing. This applies to other things in life right now as well, including making major decisions. It’s okay to put things on pause as this pandemic unfolds, ultimately passes, and creates an altered landscape. Use the time to reflect versus act. Think about the longer arc of time versus the short.

All of us at CCM are here to help you navigate through both the calm and the choppy waters. We’ll always apply our experience to your situation to the best of our abilities.

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Published May 5, 2020 Topics: Financial Advisors, Financial Planning, Market Volatility, Wealth Equation

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