WEBVTT 1 00:00:09.630 --> 00:00:10.560 line:15% Hey, guys. 2 00:00:10.560 --> 00:00:12.780 line:15% My name's Matthew Grahn if we haven't met. 3 00:00:12.780 --> 00:00:14.970 I'm with SC3F Wealth Management. 4 00:00:14.970 --> 00:00:16.650 And I thought I would do this video today 5 00:00:16.650 --> 00:00:19.920 to just go over a couple things fairly briefly. 6 00:00:19.920 --> 00:00:22.380 Number one, just tell you a little bit about myself 7 00:00:22.380 --> 00:00:23.670 and my practice. 8 00:00:23.670 --> 00:00:24.503 And then secondly, 9 00:00:24.503 --> 00:00:27.750 I just wanted to describe what it might look like 10 00:00:27.750 --> 00:00:30.000 if a family sits down with me 11 00:00:30.000 --> 00:00:31.980 but they just want to kind of kick the tires, 12 00:00:31.980 --> 00:00:34.320 and neither one of us are really sure 13 00:00:34.320 --> 00:00:37.200 if we're a good fit for each other to work together. 14 00:00:37.200 --> 00:00:39.000 But we at least want to kick the tires 15 00:00:39.000 --> 00:00:40.890 and see if there might be some chemistry there. 16 00:00:40.890 --> 00:00:44.070 So, first of all, a little bit about myself. 17 00:00:44.070 --> 00:00:47.910 I married my beautiful wife, Joslyn, in 2009. 18 00:00:47.910 --> 00:00:50.700 We dated for four years and change. 19 00:00:50.700 --> 00:00:53.550 She told me if we dated for five years, 20 00:00:53.550 --> 00:00:54.810 she was going to find someone else. 21 00:00:54.810 --> 00:00:58.860 So, pulled the trigger and we have since had a good marriage 22 00:00:58.860 --> 00:00:59.820 and grown our family. 23 00:00:59.820 --> 00:01:02.220 So, we have three beautiful children, 24 00:01:02.220 --> 00:01:04.530 Lincoln, Adeline, and Callie May. 25 00:01:04.530 --> 00:01:06.390 And we have a mini golden doodle, Gunner. 26 00:01:06.390 --> 00:01:09.030 So, we feel very blessed with our family. 27 00:01:09.030 --> 00:01:12.060 And then just a little bit about my practice. 28 00:01:12.060 --> 00:01:14.850 I got into our industry in 2005 29 00:01:14.850 --> 00:01:16.830 with a firm called A.G. Edwards. 30 00:01:16.830 --> 00:01:19.230 And that was in St. Louis. 31 00:01:19.230 --> 00:01:22.770 I spent eight years in Los Angeles before moving back 32 00:01:22.770 --> 00:01:26.490 to Illinois in late 2019. 33 00:01:26.490 --> 00:01:28.650 While in Los Angeles, 34 00:01:28.650 --> 00:01:31.260 I consulted hundreds of financial advisors 35 00:01:31.260 --> 00:01:35.280 and I also managed a few offices for Wells Fargo advisors. 36 00:01:35.280 --> 00:01:37.380 And a lot of that experience 37 00:01:37.380 --> 00:01:38.910 in that time of my life 38 00:01:38.910 --> 00:01:42.780 is where I incorporate things in my practice today, 39 00:01:42.780 --> 00:01:46.020 whether it were things that I taught on the consulting side 40 00:01:46.020 --> 00:01:48.810 or things I learned in my eight years out there. 41 00:01:48.810 --> 00:01:51.243 So, my practice, 42 00:01:52.500 --> 00:01:55.620 there is a focus on having fewer clients than average 43 00:01:55.620 --> 00:01:58.260 so that I can spend more time per client. 44 00:01:58.260 --> 00:02:01.500 So a lot of my clientele are people or families 45 00:02:01.500 --> 00:02:04.200 that have more complex needs . 46 00:02:04.200 --> 00:02:05.910 A lot of times, business owners, 47 00:02:05.910 --> 00:02:09.540 or high-income families, or high-asset families 48 00:02:09.540 --> 00:02:11.760 where maybe there's some tax issues, 49 00:02:11.760 --> 00:02:13.890 maybe there's some estate issues, 50 00:02:13.890 --> 00:02:15.240 and just some complexities 51 00:02:15.240 --> 00:02:17.640 that they need a little guidance figuring out 52 00:02:17.640 --> 00:02:18.930 throughout each year. 53 00:02:18.930 --> 00:02:22.590 So that's kind of the crux of my practice. 54 00:02:22.590 --> 00:02:25.350 And then I wanted to kind of walk through, like I said, 55 00:02:25.350 --> 00:02:27.360 what does that first meeting look like 56 00:02:27.360 --> 00:02:28.770 when I sit down with a family 57 00:02:28.770 --> 00:02:30.060 who just wants to kick the tire? 58 00:02:30.060 --> 00:02:32.670 So, a lot of times when we do that, 59 00:02:32.670 --> 00:02:34.260 I think by default, 60 00:02:34.260 --> 00:02:35.760 there should probably be an assumption 61 00:02:35.760 --> 00:02:38.460 that we're not going to disclose personal financial numbers 62 00:02:38.460 --> 00:02:39.690 in that first meeting. 63 00:02:39.690 --> 00:02:42.450 'Cause we don't want any anxiety, right, 64 00:02:42.450 --> 00:02:43.530 from coming to that first meeting. 65 00:02:43.530 --> 00:02:45.150 Let's just get to know each other, 66 00:02:45.150 --> 00:02:47.070 see if we might be a good fit. 67 00:02:47.070 --> 00:02:49.110 And if we both agree that we are, 68 00:02:49.110 --> 00:02:51.450 then we can get into numbers on the second meeting. 69 00:02:51.450 --> 00:02:53.460 So for that first meeting, 70 00:02:53.460 --> 00:02:55.590 I'm probably going to ask some general questions 71 00:02:55.590 --> 00:03:00.030 such as where do you see yourself 5, 10, 20 years from now 72 00:03:00.030 --> 00:03:01.710 and kind of some longer term goals, 73 00:03:01.710 --> 00:03:03.750 and try to get to know you a little bit. 74 00:03:03.750 --> 00:03:06.750 And then that family might ask me and I might share 75 00:03:06.750 --> 00:03:10.050 with them our investment models, how we manage money, 76 00:03:10.050 --> 00:03:11.580 and also our planning process. 77 00:03:11.580 --> 00:03:14.610 So, what does it look like when we take a family 78 00:03:14.610 --> 00:03:15.960 from what are they spending, 79 00:03:15.960 --> 00:03:17.310 what are they saving, 80 00:03:17.310 --> 00:03:20.100 what financial goals do they have down the road, 81 00:03:20.100 --> 00:03:22.200 and how might we use our process 82 00:03:22.200 --> 00:03:25.290 to package that all together and create a plan? 83 00:03:25.290 --> 00:03:27.780 And I think lastly, 84 00:03:27.780 --> 00:03:30.420 what do we do with that plan on a go-forward basis 85 00:03:30.420 --> 00:03:32.940 and how do I work with clients on a go-forward basis? 86 00:03:32.940 --> 00:03:35.670 So, if we decide to work together, 87 00:03:35.670 --> 00:03:37.530 we create that initial plan, 88 00:03:37.530 --> 00:03:39.450 and then we're just going to adapt 89 00:03:39.450 --> 00:03:41.880 and evolve that plan every year. 90 00:03:41.880 --> 00:03:43.890 Hopefully for the rest of that client's life. 91 00:03:43.890 --> 00:03:45.510 So, life happens, right? 92 00:03:45.510 --> 00:03:47.430 People get married, they have kids. 93 00:03:47.430 --> 00:03:49.920 We have tragedy, we lose family members. 94 00:03:49.920 --> 00:03:53.700 And it might change a family's financial scenario. 95 00:03:53.700 --> 00:03:56.040 So, every year as life happens, 96 00:03:56.040 --> 00:03:57.540 we're going to go back to the plan, 97 00:03:57.540 --> 00:03:58.410 we're going to change it, 98 00:03:58.410 --> 00:04:00.000 we're going to update it, 99 00:04:00.000 --> 00:04:04.470 and rebuild that confidence throughout the year every year 100 00:04:04.470 --> 00:04:07.050 that there's a solid financial plan in place 101 00:04:07.050 --> 00:04:10.590 that is being updated as we work together. 102 00:04:10.590 --> 00:04:13.470 And that's kind of the process that I use with clients. 103 00:04:13.470 --> 00:04:15.270 So, I hope this video was helpful. 104 00:04:15.270 --> 00:04:16.590 And thanks for listening. 105 00:04:16.590 --> 00:04:17.550 Reach out to my office 106 00:04:17.550 --> 00:04:19.620 if you'd like to set up a time to meet. 107 00:04:19.620 --> 00:04:20.453 Thank you.