Happy Holidays 2021-2022!

Merry Christmas and
Happy New Year!
We are wishing you the best health, happiness and prosperity going into 2022. In this issue is a great article for planning next year, and a good idea for a gift to give parents or grandparents; Kasey’s Will for leaving a legacy of stories and life lessons.

Our office schedule for the end of the year:

Closed Friday Dec. 24th to Friday December 31st for ChristmasReopening Monday January 3rd, 2022
We will be checking our mail and messages

To your Prosperity,
Kasey Claytor, Aaron Wade and Dawn Lopez

Here comes 2022: Will history repeat itself?
Whether we’re ready for it or not, 2022 will be here in a few days. Another year will have passed. You’ll look at your schedule, your finances, maybe even at the bathroom scale and wonder if this time next year you’ll be any closer to achieving the changes in your life you’d really like to make.Setting aside his politics for a moment, Karl Marx once wrote an interesting observation, “History repeats itself, first as tragedy, second as farce.”1 He was of course speaking of national events affecting millions of people. But the principle holds true in our personal lives as well. Our actions may cause us an unexpected setback. But then the next time we’re faced with a similar circumstance, we can’t seem to resist taking the same action again—even though we are fully aware of its detrimental outcome.Sales of expensive exercise equipment, scheduling planners, and weight loss apps soar in the first few weeks of January each year. People switch from indulging themselves to buying devices and memberships they hope will change how their conduct their lives.Unfortunately, these hoped-for transformations rarely take hold. Research has shown that willpower alone is not enduring enough to cause significant life change.2 It eventually gives out and the person goes back to their habit.The good news is that change is possible and the New Year is an excellent time to work for self improvement.Business coach Ashira Prossack has helped her clients find success by inserting a step before they make new resolutions, and that’s to spend time reflecting back on the year that is ending. The hustle of the holidays don’t make this easy.”With the end of the year fast approaching,” she writes, “it’s easy to feel overwhelmed. The holidays are often the busiest time of year, and there’s the added pressure of trying to finish up everything (at work) before December 31st.”3Prossack says you have to purposely set aside time to think back. But, she adds, at the end of the year you’re primed and ready to be in reflection mode.The next step, she advises, is to write out your goals for your personal life and career. Don’t worry yet about how you’ll accomplish them. Just get them down on paper. And be as detailed as possible.Finally, she says, write up your “game plan.” Identify the things you will need to do to accomplish your goals. And then list the specific steps you will need to take. The important thing is to write it all out. This will force you to think clearly about what it will take for you to accomplish your goal. If you break them down into small, easily doable tasks, you’ll be much better prepared to hit the ground running next year.And as far as financial goals, we would love to talk with you about what you’d like to accomplish over the next 12 months and how we can help you get there.Have a happy New Year and we will see you in 2022.

Sources:1. http://go.pardot.com/e/91522/quotes-karl-marx-382655/74zy66/1369296997?h=IVKKPIlyw5bi5djFDCIJmCOSLhSf3xorZg4Op_YEltg2. ​​http://go.pardot.com/e/91522/-willpower-isnt-always-enough-/74zy68/1369296997?h=IVKKPIlyw5bi5djFDCIJmCOSLhSf3xorZg4Op_YEltg3. http://go.pardot.com/e/91522/usiness-success-new-year-2019-/74zy6b/1369296997?h=IVKKPIlyw5bi5djFDCIJmCOSLhSf3xorZg4Op_YEltgDisclosure:The views expressed herein are exclusively those of Efficient Advisors, LLC (‘EA’), and are not meant as investment advice and are subject to change. All charts and graphs are presented for informational and analytical purposes only. No chart or graph is intended to be used as a guide to investing. EA portfolios may contain specific securities that have been mentioned herein. EA makes no claim as to the suitability of these securities. Past performance is not a guarantee of future performance. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. You should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. You should note that security values may fluctuate and that each security’s price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Investing in any security involves certain systematic risks including, but not limited to, market risk, interest-rate risk, inflation risk, and event risk. These risks are in addition to any unsystematic risks associated with particular investment styles or strategies.

A great Christmas gift for parents and grandparents!
A workbook to state the legacy of one’s beliefs, ethics, values and history to pass down.
As a financial planner and advisor, I’ve assisted people with their estate planning for well over 30 years; how to prepare our possessions and financial assets to pass easily to our loved ones and charities, but what about our intangibles? Our knowledge? What is in our hearts?
Within this workbook are questions to trigger or inspire you on various topics such as impactful life lessons, humorous family stories, good advice from your parents, and things you wish you had been taught!
This is your love letter to those who live on after you and even those who aren’t born yet.
On sale now on Amazon. Just click on the image below.Kasey Claytor