If I Could Write Valentine’s Day Cards

As a financial adviser, it’s a balance between convincing you to save for the future and not being such a total nag that you don’t enjoy your life.  That said, the estimated $20 billion expected to be spent on Valentine’s Day gifts does give me pause.

 

Here are the Hallmark Cards I wish were available this time of year.

 

Outside:  For My Spouse (picture the words surrounded by a big red heart).

Inside message:  Instead of spending $95 on gifts you don’t need, I opened a Roth IRA for you and am auto-depositing $95/month into it.  At 6% growth for 20 years, it will be worth $43,000!

 

Outside:  For my Son/Daughter (insert picture of Snoopy or your favorite Marvel Comic character).

Inside message:  For this and every Valentine’s Day I will show my love by adding $100 to a 529 account for your college.  If you show potential, I may increase that to a monthly contribution.

 

Outside:  For My Mother (visualize a lovely flower drawing).

Inside Message:  Because you are my mother and moms are the best, let’s go to a nice dinner together.   My treat.

 

Yep, this is why financial advisers are not asked to create greeting cards.

 

 

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Kristi Sullivan

My name is Kristi Sullivan and I have been helping people achieve financial security since 1996. I am a fee-only financial planner and public speaker. I do no investment or insurance sales for commissions. My clients pay me for guidance through their financial questions. I also work with employers to educate their employees about personal finance. I have been helping people make financial decisions for 18 years. I have worked in employee benefits and with individual clients/families. I hold the Certified Financial Planner designation. Sullivan Financial Planning, LLC is a Registered Investment Advisory firm with the State of Colorado. Areas of expertise include prioritizing savings goals, investment allocation, and wealth manager searches.