Quaker Wealth Management

CERTIFIED FINANCIAL PLANNER™

Wealth Mgt Mixtape Podcast

Host

WNC Capital Corp

Regional Vice President

LEAF Financial Corporation

Certified Financial Planner™ @ Quaker Wealth Management | Investment Strategies

As a CERTIFIED FINANCIAL PLANNER™ at Quaker Wealth Management, I help clients achieve their financial goals and dreams through personalized and comprehensive financial planning and investment advisory services. I have more than 12 years of experience in the wealth management industry, working with individuals, families, and businesses across various stages of life and financial situations.

In addition to my role as a financial advisor, I am also the host of Wealth Mgt Mixtape Podcast, a platform where I share my insights, perspectives, and stories on topics related to investing, financial planning, and human behavior. I am passionate about educating and empowering people to make informed and confident financial decisions, and to enjoy the journey of wealth creation and management.

You know that feeling when you're interviewing someone and you can practically see the fire in their eyes? 

They're the ones who totally hustle, aren't afraid to take initiative, pick things up super fast, and have this relentless drive to succeed. 

And they even come at you with killer questions that show they did their homework.

Next time you meet someone like that, think twice before you let them walk. 

They might just be the best investment you can make.

And hey, don't get hung up on the "they don't have enough experience" thing. 

Trust me, character goes a long way, especially when someone is just starting out.

What do you think? 

Ever missed out on a gem because they were a little green? 
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Jake Heisler, CFP®

What are the benefits of hiring someone with character?

What are some ways to identify a candidate with potential?

No one cares about how your hair looks. 
 
Ever thought your hair looked a mess, and it ruined your day? Here's a revelation:  
 
No one cares.  
 
Not about your hair, not about the other little things you fret over.  
 
We're all too busy being the main character in our own stories, consumed with our own concerns and imperfections.  
 
The energy we pour into our insecurities? 
 
Most people are directing that same energy inward, not at us.  
 
**This insight is liberating** 
 
The fear, the embarrassment, the second-guessing—it only holds weight if others notice.  
 
Spoiler: they don't.  
 
Imagine the freedom in realizing you're the only one in the spotlight of your mind.  
 
It's time we break free from the self-imposed judgment.  
 
Next time you catch your reflection and start to critique, remember this:  
 
You're likely the only one paying attention.

Think your investment strategy is passive? 

Think again.

Even if you're parked in the S&P 500, believing you're riding the wave of passive investment, you're actually on a dynamic journey. 

Surprising, right? 

Here's the scoop: A staggering 36% of the S&P 500's composition has shifted since 2015. 

That's 180 positions shuffled! 

Annually, we see about 25 companies, roughly 5% of the index, being replaced.

Why does this matter? 

These changes reflect companies gaining strength, innovating, and outpacing their peers.

It signifies a constantly evolving landscape, one your 'passive' investment actively navigates through. 

This adjustment is not just a footnote; it's a fundamental aspect of what keeps the S&P 500 relevant and reflective of the broader market's health.

Your investment isn't just sitting there; it's moving, growing, and adapting.

Let's talk: How does this reshape your understanding of 'passive' investing? 

Share your thoughts below.
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Think your expenses will shrink in retirement? 

Think again.

Retirement is not just a long vacation. 

It's a phase of life that can be as financially demanding as your working years, if not more. 

Surprised?

Let's dive deeper.

Healthcare costs soar as we age, and with more free time, there's inevitably more spending. 

The reality is, your expenses might not downsize with you. 

They could balloon, leaving you in a tight spot if you're not prepared.

This is where a pre-retirement check-up comes in. 

It's like a financial health screening, identifying potential shortfalls before they become emergencies. 

Waiting until you're 15 years into retirement to find out you're running low on funds is akin to sailing into a storm without a lifeboat.

Don't leave your golden years to chance. 

Ensure your peace of mind by planning ahead. 

Get that financial check-up. 

It's better to uncover any issues now than to face financial uncertainty when you should be enjoying retirement to the fullest.

Ready to secure your financial future? 

Start planning today. 

Your retired self will thank you.
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What is a pre-retirement check-up and why is it important?

What is a financial check-up and why is it important?

Ever had a conversation that could have changed everything?

I did. 

Late 2021, a new client joined us, right on the precipice of 2022's challenges. 

Throughout, we adhered to our mantras: 

Stay the course. 
Stay diversified. 
Emotions at bay. 
Eyes on the horizon.

My client revealed that they almost left us for another firm. 

The saving grace? 

We talked.

Yes, just a conversation. 

Honest, tough, but necessary. 

It wasn't about delivering good news; it was about being real, being present.

Tough talks aren't just talks. 

They're bridges. They're how we show we're in this together, for the long haul. 

They might not always be comfortable, but they're appreciated far more than silence.

Let's not shy away from the hard conversations. They could be the very thing that strengthens your relationships and builds trust in ways you never imagined.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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How can tough conversations strengthen relationships?

What is the importance of having tough conversations?

Why are tough conversations appreciated more than silence?

Panicking over the latest CPI report? You might want to rethink your strategy.

Let's dive deeper. 

The Consumer Price Index (CPI) is a crucial economic indicator, no doubt. 

It measures the average change over time in the prices paid  by consumers for a market basket of consumer goods and services. 

But here's the thing: if a single CPI report has you reevaluating your entire investment strategy, you might be playing the game with a short-sighted playbook.

Investing isn't about reacting to every gust of wind; it's about setting a sturdy sail that can weather any storm. 

The most successful investors aren't those who jump ship at the first sign of a wave; they are the ones who have charted a course that accounts for both the calm and the tumultuous seas.

Are you investing for the next quarter or the next quarter century? 

If it's the latter, then the day-to-day, or even month-to-month, fluctuations should be white noise, not a clarion call to action.

So, let’s challenge ourselves to look beyond the immediate horizon and invest not just for today, but for the future we envision.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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What are some long-term investment strategies?

How does the Consumer Price Index affect investments?

What are the characteristics of successful investors?

Ever heard of the golden handcuffs of success? 

Nassim Taleb once said, 'The world is split between those who don’t know how to start making money and those who don’t know when to stop.' 

This hits home for many of us chasing the horizon of wealth, hoping to leave a legacy of fortunes for our kids. 

But at what cost?

Retirement isn't just about the money you leave behind; it's about the life you live up until that point. 

I've never met anyone who, on the brink of retirement, wished they'd spent more time amassing wealth at the expense of living a fulfilling life.

It's a delicate balance, knowing when to hit the brakes on the wealth accumulation race to actually enjoy the fruits of your labor. 

For those who have mastered the art of starting, the real challenge lies in knowing when to stop.

Let's shift the narrative. 

Let's aim for a legacy that's rich in experiences, wisdom, and love, not just zeroes in the bank. 

Because at the end of the day, the best inheritance we can leave our children is the example of a life well-lived.

What legacy are you working towards? 

Share your thoughts below.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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Flexibility isn't just a yoga term. 

It's a financial strategy.

Imagine your financial plan as a GPS. Set with a destination, it recalculates with every wrong turn, traffic jam, or shortcut you take. 

Similarly, your financial plan is bound to evolve. 

It's not just about expecting change; it's about planning for it.

Why? 

Because life is as unpredictable as the stock market. 

👉 A new career opportunity, 
👉 An unexpected expense, or even 
👉 A global economic shift 

These things can reroute your financial journey overnight.

So, what's the secret to a resilient financial plan? 

Adaptability. 

Review your plan regularly. 

Adjust your savings, investments, and expenditures as necessary. 

Embrace the detours—they might lead you to opportunities you never anticipated.

Remember, a change in your financial plan doesn't signify failure. 

It represents growth, learning, and the ability to navigate life's uncertainties with confidence.

*picture courtesy of a tweet from Blake Millard, CFA® 
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Conventional wisdom might lead you to believe that dollar-cost averaging (DCA) is your safest bet. But here's a twist: If you've got a lump sum, DCA could be holding you back. Let's dive deeper.

Imagine you've just received a significant sum of money. 

The instinctive strategy? 

Divide it into smaller amounts, investing periodically, aiming to reduce the impact of market volatility. 

Sounds prudent, right? 

Here's why that may be wrong.

Research and historical data challenge this approach. 

Lump sum investing (LSI) often outperforms DCA. 

Why? 

Markets tend to rise over time. 

By spreading out your investment, you might miss out on peak growth periods, essentially sidelining your capital when it could be working harder for you.

Consider the opportunity cost. 

Every day your money isn't fully invested, is a day it's not fully capitalizing on potential gains. 

It's not just about minimizing risks; it's about maximizing opportunities.

This is not a one-size-fits-all. 

Your financial situation, risk tolerance, and investment timeline are crucial factors. 

Before making any moves, consult with a financial advisor. 

But keep this in mind: conventional strategies aren't always the most effective.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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What are the benefits of lump sum investing?

How does market volatility impact investment strategies?

Baseball season is here, and it's more than just a game.

As a die-hard Phillies fan, the thrill of the first pitch signals not just the start of the season but the promise of warmer days ahead. 

Yet, what truly fascinates me is the complexity of the game that unfolds with each inning. 

It's a masterclass in strategy, where every move is a calculated decision, powered by endless analytics.

But not everything is ruled by numbers. 

The beauty of baseball lies in its balance between analytics and intuition. 

It's the 'feel' of the game, the unquantifiable instinct that often leads to the most memorable plays. 

This delicate balance between the objective and the subjective mirrors life itself, including how we manage our finances.

Sometimes, the best decisions aren't found in spreadsheets. 

Like opting for that extravagant vacation, it's the experiences, the spontaneous moments, that enrich our lives, not just the well-calculated moves.

Let's embrace the season ahead, both in baseball and in life, with a keen eye for strategy and an open heart for the moments that can't be quantified.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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How can we find balance between analytics and intuition in life?

What are some examples of analytics in baseball?

What are some recent developments in baseball strategy?

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Renting a private jet for an Instagram photo but not taking off? 

Congratulations, you're doing it wrong. 

Let's talk about the rich man in the car paradox, courtesy of Morgan Housel's wisdom from The Psychology of Money. 

Picture this: a shiny, expensive car zooms by. 🚗💨

Do you think the driver is cool? 

Nope. 

You're too busy imagining how cool YOU'D look behind that wheel. 

It's a classic case of misdirected admiration.

We're wired to crave wealth not for the joy of having it but for the social points we think it scores us. 

Spoiler alert: it doesn't work that way.

People don't really admire you for your wealth; they use it as a yardstick for their own aspirations. 

That's right, the guy taking a selfie in a rented jet is seeking love in all the wrong places.

But here's where it gets interesting. 

This desire for respect and admiration? 

It's not quenched by flashy cars or private jets. 

Turns out, real respect comes from admirable traits like humility, graciousness, and empathy.

So, if you're spending your time trying to impress with material things, you might be playing the game wrong. 

The real flex? 

Being a genuinely awesome person. 

Let's shift gears and invest in what truly matters. Maybe start with a genuine smile for your next selfie, even if it's not on a private jet.

Engage below: What's one quality you admire more than wealth?
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I was a huge tennis fan growing up.  

Now I'm a finance nerd.  Occasionally, those worlds overlap in profound ways.

I'll explain. 

Andre Agassi, a name synonymous with tennis greatness, once shared an insight: 

'...but I don't feel that Wimbledon has changed me. I feel, in fact, as if I've been let in on a dirty little secret: winning changes nothing. Now that I've won a slam, I know something that very few people on earth are permitted to know. A win doesn't feel as good as a loss feels bad, and the good feeling doesn't last as long as the bad. Not even close.'

This statement, while rooted in the world of sports, mirrors a stark reality in investing. 

Winning doesn't feel as exhilarating as the sting of a loss. 

However, there lies a subtle difference—while athletes might quickly shake off a loss, investors often become ensnared by loss aversion, letting it dictate their future decisions.

Embracing this 'dirty little secret' could be our biggest win. 

Recognizing the transient nature of wins and the deeper impact of losses can guide us to make more balanced, rational decisions, whether on the court or in the stock market.

How has the fear of loss influenced your decisions, in finance or otherwise? 

We're you even aware that fear was guiding your decision in the first place?
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Ever heard of the 24-hour rule? 

It's not about time travel, but it might just save your future self some regret (and money).

Picture this: You're one click away from purchasing that shiny item you stumbled upon online. 

Before you hit 'buy', pause. 

Let it simmer in your cart for 24 hours. 

Sounds simple, right? 

But here's the magic – this pause can transform impulse into insight.

This isn't about denying yourself joy. 

It's about enhancing it. 

That 24-hour wait acts as a clarity filter, separating the 'must-haves' from the 'maybe-nots'. 

If after a day the urge remains, you know it's a keeper. 

If not, congratulations, you just dodged a bullet of buyer's remorse.

It's not just about saving money. 

It's about cultivating a mindful approach to consumption. 

In a world where everything is instant, choosing reflection over reflex is a radical act.

So, next time you're on the verge of an online purchase, try the 24-hour rule. 

It's a commitment to yourself, to make each purchase a meaningful one.

I'm curious – have you ever tried this? 

What was your experience?
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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Politics and portfolios.  

Who does better?

If you had invested $1,000 in the US stock market, but only during Republican presidencies, would have blossomed into $27,400 today. 

Opting for Democratic presidencies? That same $1,000 would now be $61,800. 

But here’s where it gets interesting. 

Shelve those political biases. 

Stay invested through every twist, turn, and administration change? 

That initial $1,000 investment skyrockets to an astonishing $1.69 million. 

The lesson? Market timing based on political cycles might seem compelling, but it pales in comparison to the power of consistent, long-term investment. 

It’s a vivid reminder that the market's resilience and growth potential outstrip political turmoil.

So, before you rethink your investment strategy based on the political climate, remember the $1.69 million argument for staying the course. 
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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* Information courtesy of Bespoke Invest

Let's talk about success. 

Not the flashy cars and sprawling mansions kind of success, but the real, fulfilling kind. 

How do you measure it? 

In bank account balances, or in moments that leave you breathless?

Consider this: success is a deeply personal concept. It's not one-size-fits-all. 

For some, it's about financial freedom. For others, it's the luxury of time—time to explore, to learn, to love.

Here's a truth bomb: money is a tool, not the destination. 

It's the means to create the life you dream of, not the dream itself. 

Think about it. 

hat's the value of a dollar without the joy it brings? 

Empty. Hollow.

Crafting a plan for success starts with understanding what truly matters to you. 

Is it the freedom to travel the world? 

The ability to provide for your family without stress? 

Or perhaps it's the pursuit of knowledge and personal growth?

Let's shift the narrative. 

Let's measure success in laughter, in experiences, in the peace that comes from financial stability—not just the numbers in a bank account.

Now, I'm curious—how do YOU define success? What's your ultimate goal, and how are you using the tools at your disposal to achieve it?

Drop a comment below and let's redefine success together. Let's inspire each other to pursue happiness, in all its forms.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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What are some examples of fulfilling moments that define success?

Why is it important to have an ultimate goal when defining success?

How can financial freedom contribute to success?

The stock market is closed today. 

But, your portfolio?

It never sleeps. 

Even on days when trading floors are silent, the investments tucked inside your portfolio are bustling with activity. 

It's the silent hustle, often overlooked, yet it's the backbone of why we invest. 

Dividends are accruing. Compounding is at work. International markets are still spinning their wheels, and your global investments are catching every bit of that action. 

This is the unseen value of investing. 

It's not just about the numbers on a screen or the buzz of a busy market day. 

It's about the relentless pursuit of growth, even in silence. 

Reflect on this the next time the market is closed. 

Your portfolio is still out there, working overtime for you. 
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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$93,000 for a year of college? 

NYU's latest estimate sends shockwaves beyond the campus.

With tuition soaring to heights that would make even seasoned climbers dizzy, the age-old question resurfaces with a vengeance: 

Is college really worth it?

A recent YouGov survey paints a stark picture: 

▶️46% of Gen Z says no.

How about Gen X and baby boomers - the very architects of this educational edifice?

▶️ 54% of Gen X says no 
▶️ 57% of baby boomers say no

This seismic shift in perception is more than just numbers on a page; it's a clarion call for a reevaluation of what we deem 'valuable' in education.

Is the prestige of a diploma worth the burden of debt? 

Can traditional institutions adapt to a world where knowledge is the form of YouTube tutorials and online courses is just a click away?

Share your thoughts below. 

Is college still the golden ticket to success, or is it time to rewrite the playbook?
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A 3% annual inflation rate can cut the purchasing power of your savings in half over 24 years. 

That's a significant blow to anyone's financial security.

Inflation isn't just a number. It's a thief in your retirement savings' shadow.

Picture this: You've spent years meticulously planning your retirement, down to the last penny. 

But as inflation creeps in, those pennies start to lose their power. 

What was once a comfortable cushion, slowly transforms into a barely-there safety net.

Inflation doesn't discriminate. 

Whether you're a decade away from retirement or basking in your golden years, its impact is universal. 

Yet, it often goes unaddressed in retirement planning discussions. 

Why? 

Because it's an invisible force, silently eroding the value of your savings.

But here's where it gets interesting: inflation can also be a catalyst for innovation in your investment strategy. 

Diversifying your portfolio, considering real assets like real estate, or even exploring inflation-protected securities could not only shield your savings but potentially grow your nest egg.

The question isn't just how to survive inflation in retirement; it's about how to thrive.

How are you preparing your retirement savings for the impact of inflation? 

Share your strategies and let's learn from each other's experiences.
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Market swings got you on edge? Think again.

The S&P 500 is up about 8% this year, with its largest pullback being a mere 2% peak to trough. 

Now, let that sink in. 

Since 1980, the average annual pullback has exceeded 14%. So, if a 2% dip has you rethinking your entire investment strategy, it’s time for a gut check on your risk tolerance.

Investing isn't for the faint-hearted. 

It's a long game that requires patience, resilience, and a clear understanding of your financial goals and risk appetite.

Before you hit the panic button over minor market fluctuations, remember: volatility is part and parcel of the stock market. 

It's these ebbs and flows that have historically paved the way for growth.

So, ask yourself: Are you in it for the long haul?

Let’s engage below. Share your strategies for staying calm and collected in the face of market volatility.

Stay invested, stay informed.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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Why is volatility part of the stock market?

Ever noticed how the best advice often comes wrapped in scars?

There's a world brimming with advice on being a better spouse, parent, friend, co-worker, leader. 

But here's the thing: absorbing this wisdom often requires walking a mile in the giver's shoes, through the very storms that forged their insights.

Mistakes are not just missteps; they're your curriculum in the school of life. 

Each error, each stumble, teaches lessons textbooks can't. 

They craft resilience, empathy, and a depth of understanding no advice could fully encapsulate.

This journey of ups and downs, of triumphs and failures, is what molds us into the individuals capable of giving advice worth its weight in gold.

So, the next time you falter, remember: It's not a setback; it's life handing you the keys to wisdom.

Embrace your journey, cherish your lessons, and when the time comes, pass on that hard-earned advice.
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My name is Jake Heisler, CFP® and I'm making an effort to post valuable, timely content here on LinkedIn. 

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How can we gain wisdom from our mistakes?

How can we develop resilience through our mistakes?

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