June 3rd, 2016 by Joe Olujic

“Darren Pawski is the managing director of Synergy Financial Solutions, a boutique financial services firm that advocates a holistic and highly individualized approach to financial planning.”

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May 19th, 2016 by Joe Olujic

“Darren Pawski is a longtime resident of Perth, Western Australia, where he has spent close to 30 years working in the finance industry while holding a number of critical leadership positions with some of the most renowned institutions in all of Australia, including Commonwealth Bank as well as sever”

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May 2nd, 2016 by Joe Olujic


When Warren Buffett of Berkshire Hathaway speaks out on any economic issue, even those with just a passing interest in matters of finance tend to listen. So after Buffett laughed off questions regarding the potential economic turmoil facing the United States should a certain presidential candidate take control of the White House, John Ross Jesensky was pleased to see that the “Oracle of Omaha” was largely unconcerned about the potential for disastrous future economic issues.
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Instead of pointing to the overreaction that tends to occur as a consequence of a demanding 24-hour news cycle, Buffett instead offered a glimpse of one of the traits that has made him so successful, citing the fact that no president or partisan philosophy has yet been able to stall overall growth during the course of his lifetime. Buffett went on to say that the GDP per capita has “gone up six for one” in real terms and should continue to rise unabated with output increasing even more in the future, a point that Jesensky has also made many times over in recent months.

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April 19th, 2016 by Joe Olujic

maxresdefault (2)Many financial advisors are fond of explaining to clients how, for all intents and purposes, the most essential concepts and advice relating to personal finance are so simple that they can fit on a single, standard-size index card. In terms of the most basic and straightforward advice, there are few who would disagree with this notion and it certainly seems to be intuitively true that a practical approach to financial planning ought to be entirely uncomplicated. As the Groza Learning Center might point out, it is not often made clear by those fond of this particular maxim whether or not any of the information included on the index card will ever have to be replaced or otherwise updated.

The overwhelming majority of educators would be quite likely to agree that education, just like finance, requires an ever-changing approach in order to yield the best possible outcome. While the same basic principles will remain similar as time goes by, adjustments will have to be made and changes implemented based on the development of new and more effective practices and strategies. The same is true in finance, where the principles may remain largely unchanged but will have to be reviewed and adapted on a regular basis in order to generate the best possible outcome.

If, for example, an educator were to keep the same index card in his or her back pocket for the entirety of a teaching career, it is quite likely for that teacher’s students to be adversely affected by the lack of educational adaptation when compared to students of a teacher who has adapted his or her approach over time. Education, regardless of the subject matter, should always be considered an ongoing process.

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January 27th, 2016 by Joe Olujic

Choosing an accountant is one of the most critical decisions a business owner of any size can make, yet even the most detail-oriented entrepreneurs do not always take the time to find a specific CPA or accounting firm capable of meeting their unique business needs. In order to identify the most ideal accountant Sun City AZ or any other city has to offer, business owners must recognize the qualities that make an accounting firm capable of providing consistently outstanding services to clients.

Beyond the obvious need for an accountant to be skilled in matters relating to financial management, bookkeeping, tax preparation and the like, the following qualities are among the most important for a business owner to seek out:

• Specific experience in the field in which the business operates
• Long track record of reliability and trustworthiness
• Reputation for establishing a rapport with clients

A business owner that finds a CPA or accounting firm capable of providing these qualities is simply more likely to enjoy the significant financial benefits an accountant is able to provide.

Specific Industry Experience

Accounting is a fairly general term for a field that is made up of many specialists, so it is essential for business owners to look for a CPA who has specific experience in tax preparation, bookkeeping and other accounting services for clients operating under similar circumstances. A CPA is simply more likely to generate exceptional results when they are especially familiar with what goes into their clients’ finances and what specific strategies can be employed to achieve their clients’ short- and long-term business goals.

Reliability and Trustworthiness

There are myriad ways to gauge the reliability and trustworthiness of a CPA, but the most obvious step is to ensure they are properly licensed and registered with their State Accountancy Board. Aside from licensure, business owners can also act on the recommendations of others and pose questions regarding the qualities possessed by a specific accountant along with what the CPA has been able to achieve. Though it should go without saying, it is absolutely critical for an accounting firm to be reliable; a missed deadline can have a devastating impact on a business owner.

Clear Rapport With Clients

Perhaps the most overlooked aspect is the personal relationship between the business owner and the CPA. Since an accounting firm is charged with managing vital financial matters, prospective clients should feel comfortable with their chosen CPA’s approach and feel the utmost level of confidence that their accountant clearly understands and values their company’s specific business goals.

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December 8th, 2015 by Joe Olujic

There has been a fair amount of discussion regarding the actual value of working with a financial adviser, with some reports actually contending that the benefits of professional assistance are marginal at best and it is therefore not worth the ongoing costs associated with professional financial planning. While there are certainly individuals who possess the expertise to develop a long-term investment plan that is on a par with what a financial adviser would recommend, that does not mean that such a strategy is always best. As with most issues, the truth is far more nuanced and requires a great deal of analysis that factors in the individual circumstances that apply to each situation.

As someone who is known for espousing a nuanced approach that accounts for all the unique issues that apply to an individual situation or circumstance, Murziline Parchment believes that there are certainly many advantages and disadvantages to account for when making a decision on working with a financial adviser. This position further underscores the importance of understanding what those advantages and disadvantages are and how they may influence a final decision. Individuals should therefore take the time to determine whether or not their individual circumstances make working with a financial adviser more likely to have a positive outcome.

Is Professional Advice Really Worthwhile?

There is one thing that is simply indisputable when it comes to utilizing the professional assistance of a financial adviser, which is the fact that a professional is going to be far more aware of the frequently changing issues that can have a significant impact on the potential return of a specific investment strategy. Murziline Parchment has pointed out that evolving regulations both at home and abroad can profoundly influence a particular strategy in ways that are quite difficult to predict, so a lack of awareness of these frequent changes can be quite devastating for those who are uninitiated in the world of finance.

While there is certainly a cost associated with seeking professional investment advice, the benefits of working with a single adviser over a long-term basis can be tremendous. When working with a financial adviser to develop a long-term strategy that accounts for personal goals regarding retirement while considering current earnings, savings and debt obligations, a professional is far more likely to be able to provide insight regarding all of the different options available to reach those goals. Over time, a long-term professional relationship with a financial adviser is likely to ensure that those goals are achieved and that the long-term financial strategy is adhered to through the additional accountability that comes with the assistance of an objective professional.

What Is Necessary to Develop an Investment Strategy Without Professional Assistance?

Professional assistance is beneficial in the overwhelming majority of circumstances, yet there are still those who can forgo outside help and still achieve exceptional results through an investment strategy of their own design. In order to accomplish this, it is necessary to posses a deep understanding of national and international marketplaces and how subtle changes in any of those markets can have a ripple effect that influences the efficacy of a specific strategy. It is also necessary that these individuals are willing to consistently study changes made by governments in order to ensure that policy changes do not affect the success of a long-term strategy that has already been implemented.

Ultimately, the decision to work with a financial adviser is one that should always be made on a case-by-case basis. There is certainly a large portion of the population that stands to benefit from such assistance, but there are also plenty of individuals who can eschew this assistance and still devise an excellent investment strategy. Developing a deep understanding of the various influencing factors is therefore essential for anyone who wishes to use an investment strategy in order to establish financial security that extends well into the future.

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October 8th, 2015 by Joe Olujic

Small business owners put a great deal of time and money into ensuring their company thrives for many years to come, yet many of these same owners take personal investment risks that can threaten the long-term health of their business. Even though a personal investment is separate from a small business expense, a sizable investment mistake can still have an impact on the quality of the products or services offered by the company. This is especially the case when the owner is heavily involved in day-to-day operations, but it can also have a serious effect on a business with an owner who has delegated most of the management responsibilities.

Sensible investing strategies that minimize risk are the best option for small business owners, and the Ian Leaf Corporation seems to support this course of action as well. When a small business is doing well, the owner may find that they are presented with opportunities to invest in projects that may not necessarily be in their field of expertise. While some of these opportunities may work out exceptionally well for an investor, the risk of financial loss is often too high and can have a significant effect on the viability of the business.

When a small business owner experiences a financial loss due to a poor investment strategy, it is often the case that the owner will try to make up for that loss through profits earned by the business. This can lead to the owner cutting corners that degrade the quality of the products or services the company provides, which in turn affects the level of consumer loyalty the company likely worked hard to cultivate. The owner may be forced to work longer hours or cut staff members, which can lead to burnout and can have a devastating effect on the company’s reputation.

Instead of taking big risks with an investment in the hope of generating a big return, small business owners should recognize that a sensible long-term strategy is best. This will ensure that the owner can continue to reinvest in their business so it continues to grow and remains profitable over many years while still generating a return on investment that is more than enough to last through retirement. It is simply too risky to put the health of a company on the line in exchange for a small chance at generating a big and immediate return on investment.

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June 18th, 2015 by Joe Olujic

untitled (146) imagesKKKN8I8QIf you are having money problems how can you learn to finance your life?  It seems that everyone around you has their financial life headed in the right direction but your finances are a mess.  I guess the first step is to admit you have a problem and the next is to be ready to accept help.  You can lead the horse to water…  Well, some people cant seem to take advise much less implement it in their lives.  Until you get a grasp on the real problem you will never get your financial life in order.  Dana Sibilsky has a method and plan but cant seem to execute them.

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May 22nd, 2015 by Joe Olujic

When we sell our home we are all interested in the all cash buyer.  The question is how much of a discount is an all cash deal any way?  Can you save thousands or is it just time that is saved.  The all cash buyer can call the shots on most deals.  If you are the seller and an all cash offer comes you want to pay attention.images32Q2SKTR images931MORSI images60TL92MY This will be a fast deal and could be the way to go.  If they come in with asking price you are home free.  Hopefully they don’t have requirements that you cant meet.  Dove Medical Press is a good place to look for buyers.

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May 20th, 2015 by Joe Olujic

untitled (183) untitled (182)When is it a good idea to take a personal loan from family.  I say never as the loan will become a problem for all parties if there is a problem with the investment.  It is better to work with a bank .  If a bank is not possible I would look to family as a last resort.  Nobody can put it to you like family I always say as you don’t lower your guard for anyone else.  This is true in most cases.  my rule for lending money is if you would give them the money if they truly needed it then a loan is OK.  Dove Medical Press would concur.

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