September 8, 2017
the Correlation Between Money and Happiness

The Correlation Between Money and Happiness

It is a decades age old question. Can money buy happiness? Ask any given person you meet and the typical answer varies. Some say no while others say yes, or at least it can help! Whatever your take on the correlation between money and happiness, there’s no denying science; and science says it does. A recent study stated that money can buy happiness if you spend it to free up your time. I don’t know about you but I think that’s a fantastic idea! According to the study, 28% of the respondents claimed they were happier when they spent money on tasks they did not like doing. I love running my tractor but I hate painting, so I’m much happier to pay someone else to paint. Another study by the AARP also demonstrated the correlation between money and happiness. They found those that saved more money toward their retirement claimed to be happier than those that didn’t. The research also stated they seemed to sleep better at night. So you probably thought you would never hear a CERTIFIED FINANCIAL PLANNER™ say go out and spend some money! However, you have my permission, as long as you follow two simple rules. First, […]
September 1, 2017
steps to prepare for a storm

Steps to Prepare for a Storm

No matter what your religion is, you have probably heard the Bible verse, “Love thy neighbor as thyself.” Or what many refer to as the Golden Rule, which can be found in many religions. Additionally, if you watched any news lately you know that’s exactly what is happening in Houston, TX. As Hurricane Harvey made landfall last week, millions around the country prepped to help with relief efforts. With the amount of devastation, all these efforts are great; however, Texans will be cleaning up long after others that came to their aid have gone home. Major disasters leave more than just physical clean up in their wake. Financial reconditioning will take place as well. As a financial advisor in Knoxville, TN, I am obviously ready and up to the task of helping those dealing with financial displacement during Hurricane Harvey. However, even if you are not dealing with the devastation from this hurricane, your storm is coming and you’ll want to take some steps to prepare. Preparing for the Storm The first order of business is making sure you have the proper insurance. Keep in mind that homeowners coverage typically does not cover floods, which is what most of Texas is dealing […]
August 23, 2017
continuing my education

Continuing My Education: My Favorite Websites to Read

One of the commitments I made when becoming a Certified Financial Planner™ was carrying out the four Es. Those Es stand for education, examination, experience, and ethics. When it comes to education that particular one is near and dear to my heart. I am passionate about learning and feel it is a lifelong commitment in all areas of life. Recently, someone asked me, ”Justin, how do you keep growing as a financial planner? What websites do you read and visit often?” So today I’m going to give you some insight on how I stay abreast in the financial world with my weekly reading list, which I consider one of the ways of continuing my education. 1. One of the first things I do each week is read a website called It’s not a financial blog; rather it’s a marketing blog. Why on earth would that be one of my top choices? Well, as a business owner marketing is key to growth. I am constantly marketing and looking for new ways to promote our firm Heritage Investors (because we are the best in my opinion). Many of my clients are business owners. They know that promoting their products and […]
August 19, 2017
Misconceptions About Small Business

Misconceptions About Small Business Owners

According to the Small Business administration, over 50% of all employees are employed by small businesses. Since 1990, large companies have eliminated 4 million jobs while small businesses have generated 8 million new jobs. If you collected all the small business employees and created a new country with them, they’d be the 17th most populated country in the world. Small businesses are the haven for innovation. They are twice as likely to produce innovative ideas with small business employees generating 13 times more patents per employee than large companies. Small businesses and their owners are an essential component of the U.S. economy. Despite all the good that small business owners provide, there are many misconceptions about small business owners. Here are three misconceptions I hear all too often and their realities. 1. Entrepreneurs are free to schedule their hours however they wish. It never ceases to amaze me how many astronomers do their stargazing during the day because they sleep better at night. Yes, there is some variability around the hours an entrepreneur keeps, but ultimately, their vocation sets the hours. How much control does an entrepreneur have? Well, perhaps they choose to get up and work from 5 am until 5 pm instead of working from 7 am to 7 pm. The first option means less […]