Mary Anne Heyman, MSFP, CFP®
Like a lot of you, I came from a very traditional family where talking about money was considered rude and simply just not done. Except for the part where we were told (quietly) that whenever you earned money, you saved 50% and never touched it, ever. And the other 50% was for things you needed very badly. So, basically, money was something you worked for, hid somewhere, and never ever spent.
I was married at 20, and when I was 23, I was expecting our third child, when my husband’s work truck was rear-ended by a semi-truck on the job. He was never able to go back to work full-time, although he tried several times. Suddenly, money became something to worry about, but most importantly – something to talk about.
And then the most important lesson of all, talking about money led us to learn about money. And learning about money together helped us form our own family money values. And you know what? We survived! And somehow, we even learned to thrive! However, we had the advantage of good advice from wonderful professionals along the way.
I became a Certified Financial Planner ™ professional because I know from personal experience how daunting it can be to navigate and coordinate personal finance. Insurance: homeowners, car, health, life. Savings: for college educations, for our future, for vacations and, wait, fun (?!). Debt: a mortgage, a car loan, and credit cards. And then how to manage these things during transitions such as getting married, rearing children, living with disability, nearing retirement, aging parents, becoming newly single. To learn more about Financial Planning, request the CFP® Consumer Guide to Financial Planning here:
For better or worse, my bet is you have your own story about family money values. And my guess is that talking about money is quite personal. How much you earn or don’t earn can make you feel good or bad about the person you are. It’s tied to how you dress, your zip code, even how much fun you think you can have. And some of you now have to talk with your parents about their money and help them solve aging related financial problems.
I can talk with you about your money. My practice is a place where clients can bring their questions and challenges and feel comfortable that together we will find thoughtful, competent, creative, ethical and sound financial solutions through a firm foundation of experience, education and conversation.