July 2, 2018
goodbread CVGA certification

CFP® Justin Goodbread Earns Certified Value Growth Advisor Certification

At Financially Simple, we strive to ensure you walk a financially simple path and one of the ways we do that is through earning certifications. We are proud to announce that another badge of honor has been bestowed upon Justin Goodbread. He has now added the title of Certified Value Growth Advisor™ (CVGA™) to his list of CERTIFIED FINANCIAL PLANNER™ and a Certified Exit Planning Advisor™, as well.
June 28, 2018
use a financial advisor not google

Google is not a Financial Advisor… Work with a Professional!

Have you ever thought about installing an inground swimming pool in your backyard? Or have you ever considered restoring a turn-of-the-century home? Chances are if you were thinking about doing one of these projects, you’d call a professional to help you complete the task. Why then do we think we can make major financial decisions that could have severe implications without ever talking to a financial advisor? Yet, all too often I see these mistakes happen, and many times people ask for help after the fact, and sometimes the damage is done. That’s why a recent phone call led me to think about this very subject. 
May 24, 2018

What Happens in a Typical Quarterly Business Planning Meeting?

Not long ago I received a Twitter message asking “Justin, what happens in a typical quarterly business planning meeting?” Today I’m giving you a little insight into just such a meeting I had recently. While I can’t go into tons of detail due to confidentiality issues, I can tell you about a meeting I had with one of my clients – a first-generation business owner.
April 16, 2018
business valuation meeting

How is a Small Business Valued?

 When it comes to owning a business, it’s been stated that 80-90% of our net worth is tied up in our business. Many times business owners will go out and hire an investment advisor and pay them 1% to manage small portion. Yet, we’ll look all around trying to figure out how to grow the value of your business.
April 12, 2018
employee employer conflict based on assumptions

Simple Assumptions Can Lead to Employer-Employee Conflict

We’ve all heard the old adage about assumptions. It makes an—well you get the point. Recently I was part of a meeting that included a client and his employee. While I sat back and watched the two of them dispute of minute details, I could see both of their sides. They, however could not. Which lead me to ponder assumptions and the employee’s worth.
March 28, 2018
Should my investment strategies change nearing retirement

Should My Investment Strategies Change if I’m Selling My Business Soon?

I hear from clients every day, and many of them ask me, “Hey, Justin. Should my investment strategies change if…..” And the “if” at the end of their question could be “if I’m retiring soon.” It may be “if I’m spending a fortune on my kids’ college education.” Or more importantly in my line of business, I hear, “if I’m selling my business soon.” Well, that all depends on you, friend. It all depends…