About Pam Horack, CFP®
Think of me as Your Financial Mom – the planner that works with regular families. Throughout my career, it seemed that financial advisors were always looking to sell their products or manage money to retirees, business owners, or those with lots of money – no one wanted to plan and budget for everyone else. My clients look like just like regular people:
• Mom and Dad get up in the morning, get the kids off to school, work all day either at home or an office, come home, get dinner on the table, pay the bills, hope the house isn’t underwater, and have a little money in their retirement account.
• Getting married? Congrats! Now you need to combine your finances. No one needs financial planning more than two people getting married; except two people getting divorced. It’s much easier to get it right on the front side.
• You have graduated from college, moved into the real world, and started your own life. But Mom is still paying your cell phone bill and doing your laundry. You can make it on your own with some spending strategies and cash flow controls.
You will get the tools and advice needed to plan your retirement, create your budget, and save for your goals. My local and national resources can help you put together your will or review your insurance. Each client receives an easy-to-read financial plan outlining your current situation, alternatives to reach your goals, and an action plan to get you there.
Think about this: We plan for birthdays, holidays, and even vacations; but we don't give nearly as much consideration to one of the most plan-required tasks of all: Investing. Trying to invest your money without an investment strategy is akin to the Carolina Panthers heading into a football game without a playbook. Sure, there’s a possibility that they could win based on sheer talent and prior experience, but having a plan and some direction would significantly improve their chances. [...]
In a typical family, every member has a distinct role. If mom is the nucleus of a family, dad is the musculo-skeletal system. Dads are all about practicality and getting things done. They are the breadwinner, disciplinarian, coach, and the head of the family. But I want you to realize that the head of every man is Christ, and the head of the woman is man, and the head of Christ is God. - 1 Corinthians 11:3Simply put, dads are the foundation and support system for the entire family. Interestingl [...]
Do you remember getting an allowance as a kid? I certainly do! My siblings and I would all wait with Christmas-like anticipation for Sunday evening as this was my Dad’s preferred time to dole out the dollars. I very distinctly remember counting out my change and thinking that I was rich! Sometimes I would even try to do extra chores in hopes of gaining more money.As I grew older, the allowance wasn’t enough. I needed more money, so, ever the entrepreneur, I hired myself out as a bab [...]