Carlson Capital Management

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Retirement Planning: Reflecting on the Journey

Callie Geist
Callie Geist, CFP®, J.D., MBA

Integrated Wealth Advisor
952.230.6706
952.230.6710 (Fax)
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  Working with our clients' finances is very personal, and for them to allow us into that space is a real privilege.  

Professional Biography
Callie Geist is an Integrated Wealth Advisor at Carlson Capital Management. As part of the advisory team, Callie 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, Callie 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.

Callie holds a Bachelor of Arts degree in Organizational Communication from Creighton University where she graduated cum laude. She went on to earn a Juris Doctor from the Creighton University School of Law, and is a member of Phi Delta Phi, an international legal fraternity. In addition, Callie holds an MBA from Kaplan University, and the Certified Financial Planner™ designation granted through the Certified Financial Planner Board of Standards.

Callie joined CCM after serving as a Tax Staff Accountant at a South Dakota company. As a law student and undergraduate, Callie clerked with the Kellogg & Palzer firm in Omaha, Nebraska, and worked in human capital with the SilverStone Company. Callie grew up in Northwest Iowa, and now telecommutes from Omaha where she resides with her husband, Aaron. She is a fan of Minnesota sports teams, enjoys cooking and spending time with her family, friends and her faithful dogs, Brin and Charlotte.

Personal Thoughts
My interest in financial planning began when I was sixteen years old and working at one of my very first jobs. This job was in a wonderful gift shop with a small café in my hometown of Storm Lake, Iowa. I enjoyed every aspect of this job: unpacking merchandise, wrapping gifts, prepping food in the kitchen, waiting on tables, etc. However, my favorite part of the job was getting to know the customers and helping them find exactly what they were looking for. One such customer was Don, a businessperson in his 60’s who was a regular patron of the café. He would come in almost daily at the end of every lunch service. I loved sitting at the table with him and chatting.

During one of our conversations, he shared with me his number one financial recommendation: open a Roth IRA and save 10% of your income into that account. Don’t worry about the dollar amount you’re contributing, he said, but focus on creating the habit. We talked about the impact that this could have on my finances long-term. So I went to the local bank where an incredibly kind woman, Julie, took the time to walk me through opening this account and answer all of my questions. Every two weeks when I was paid, I would go the bank to cash my check and contribute 10% into my Roth IRA. While the dollar amount was small, I felt empowered about making smart financial decisions. I knew that I was doing the best I could with what I had at the time.

In my role as an advisor, I love building strong relationships with my clients and learning about the people and things that matter most to them, the goals and dreams they have, and the things that keep them up at night. Just as Don and Julie helped educate and encourage me many years ago, my goal as an advisor is to walk alongside my clients as they navigate the financial obstacles and opportunities in life, so that they can feel empowered and energized in knowing they are doing the best they can with what they have.

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

Callie Geist
Callie Geist, CFP®, J.D., MBA
Integrated Wealth Advisor

Co-Authored by Katy Vermeer

Retirement planning involves a multi-faceted analysis that requires a combination of data gathering, quantitative and qualitative analysis, and discernment. It is an on-going process that offers peace of mind to our clients as their life goals evolve.

As people approach their retirement years the number one question advisors are often asked is, “Do I have enough?” While the internet offers a host of formulas, calculators, and rules of thumb to answer this question, such resources do not take into consideration a person’s evolving circumstances, goals, and needs, nor do they encourage the individual to evaluate their spending from a values-based perspective.

At Carlson Capital Management, we understand that retirement modeling is both quantitative and qualitative in nature, requires review and adjustments on an ongoing basis, and must be customized to each individual and family. Furthermore, we encourage clients to reflect on their values and align their spending accordingly.

On the quantitative side, CCM uses robust software that allows us to input a vast amount of financial information and then analyze and stress-test the outputs. This type of analysis helps us understand the impact of additional saving, adjustments in spending, and volatility of the markets, to name a few. We are then able to make recommendations that further advance an individual’s likelihood of success in ensuring that accumulated assets can sustain retirement spending.

The qualitative component of retirement planning emerges from in-depth conversations between the individual and the advisor and may include a variety of topics such as current and future spending goals, evolving health issues, family support needs, charitable intentions, gifting and estate planning implications, etc. These conversations are ongoing and inform adjustments to the existing model or additional scenarios to consider.

However, the most important aspect of retirement planning isn’t found in analyzing the data or running additional scenarios. You can’t find the answer in formulas, and there isn’t a rule of thumb to guide you. At the core of retirement planning is reflecting on the journey you took in accumulating your assets and discerning the people, experiences and things in life that bring you the most joy and fulfillment so that your spending is aligned with what matters most to you.

The quantitative and qualitative components of retirement planning are paramount in their ability to provide the reassurance necessary to make the transition into retirement and answer the common question of, “Do I have enough?” However, it is the discernment of what matters most to you during your retirement years, then aligning spending with such values, that contribute to help make those years meaningful, intentional, and joyful.

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Published July 23, 2018 Topics: CCM Women's Initiative, Financial Advisors, Financial Planning, Financial Planning for Women, Retirement Planning

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