{"id":31564,"date":"2017-12-06T16:04:05","date_gmt":"2017-12-06T21:04:05","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=31564"},"modified":"2017-12-07T17:00:08","modified_gmt":"2017-12-07T22:00:08","slug":"despite-tax-health-care-changes-horizon-retirement-planning-manageable","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/12\/despite-tax-health-care-changes-horizon-retirement-planning-manageable\/","title":{"rendered":"Despite Tax And Health Care Changes On The Horizon, Retirement Planning Is Manageable"},"content":{"rendered":"
\"\"
Stacy Clifford, president of Holistic Wealth Advisors in Clifton Park, seated in the center with her team, says she helps clients \u2018focus on the solution, not the problem.\u2019
Courtesy Holistic Wealth Advisors<\/figcaption><\/figure>\n

By Susan E. Campbell<\/p>\n

Financial professionals helping clients plan for a comfortable retirement are accustomed to preparing for unknowns. But what happens when foundational systems like income taxes and health care are on the verge of massive change?<\/p>\n

\u201cPeople think things are unpredictable, but they are not,\u201d said Stacy Clifford, president of Holistic Wealth Advisors in Clifton Park. \u201cWe can only plan on what we know, while being flexible and nimble based on changes down the road.\u201d<\/p>\n

Clifford said her biggest challenge today is constant negativity in the media, which \u201ccasts a cloud on people into thinking they will never have enough\u201d to live on in their retirement years.<\/p>\n

Her firm\u2019s holistic approach to financial success can be likened to physical health and well-being.<\/p>\n

\u201cIf your doctor says you have high blood pressure and high cholesterol and are feeling down, there are still positive aspects of your health,\u201d said Clifford. \u201cIt is similar in the financial field. My challenge is getting people to feel positive but not complacent.\u201d<\/p>\n

Clifford tells clients that saving as much as they can and making sacrifices in the short term are key to realizing long-term goals.<\/p>\n

<\/p>\n

\u201cClients want to spend money now, send their kids to the best colleges, and have the best vacations. Who doesn\u2019t?\u201d she said. \u201cSo the reality-based conversations we have now are to show how current decisions affect their future lifestyles.\u201d<\/p>\n

Clifford has worked with retirees and pre-retirees for 15 years as a wealth advisor. Having that diverse experience is helpful because she can \u201cinterpolate the knowledge of success stories of retirees with those who are earlier in the planning stages,\u201d she said.<\/p>\n

\u201cWe see in retrospect the impact of a full commitment to staying on the path to financial independence,\u201d she said.<\/p>\n

\u201cMy clients may have to cut up some credit cards and send the kids to community college for two years,\u201d she said. \u201cBut if they can pay down the mortgage, use the money that would have gone to the bank for the travel budget. This is how we get things done.\u201d<\/p>\n

Clifford is the kind of advisor who helps clients \u201cfocus on the solution, not the problem.\u201d She feels she has sound reasons for optimism in the face of uncertainty.<\/p>\n

\u201cNo one has bombs dropping into the back yard. We have jobs. Our 401(k) plans and the investment markets are doing well,\u201d she said. \u201cBut there is always going to be something that makes us pull back and look at the broader context of things.\u201d<\/p>\n

\u201cThere is always going to be something going on that we don\u2019t like,\u201d said Clifford. \u201cTake it all in and say, in the grand scheme of things, am I better off than I was, or than my parents were? I think yes, we are.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

By Susan E. Campbell Financial professionals helping clients plan for a comfortable retirement are accustomed to preparing for unknowns. But what happens when foundational systems like income taxes and health care are on the verge of massive change? \u201cPeople think things are unpredictable, but they are not,\u201d said Stacy Clifford, president of Holistic Wealth Advisors […]<\/p>\n","protected":false},"author":196,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-31564","post","type-post","status-publish","format-standard","hentry","category-business-news"],"yoast_head":"\r\nDespite Tax And Health Care Changes On The Horizon, Retirement Planning Is Manageable - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/12\/despite-tax-health-care-changes-horizon-retirement-planning-manageable\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Despite Tax And Health Care Changes On The Horizon, Retirement Planning Is Manageable - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"By Susan E. Campbell Financial professionals helping clients plan for a comfortable retirement are accustomed to preparing for unknowns. But what happens when foundational systems like income taxes and health care are on the verge of massive change? \u201cPeople think things are unpredictable, but they are not,\u201d said Stacy Clifford, president of Holistic Wealth Advisors […]\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/12\/despite-tax-health-care-changes-horizon-retirement-planning-manageable\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Saratoga Business Journal\" \/>\r\n<meta property=\"article:published_time\" content=\"2017-12-06T21:04:05+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2017-12-07T22:00:08+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2017\/12\/planning-story-hc.jpg\" \/>\r\n<meta name=\"author\" content=\"jessewinters\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jessewinters\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/12\/despite-tax-health-care-changes-horizon-retirement-planning-manageable\/\",\"url\":\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/12\/despite-tax-health-care-changes-horizon-retirement-planning-manageable\/\",\"name\":\"Despite Tax And Health Care Changes On The Horizon, Retirement Planning Is Manageable - 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