Will Glancy- Financial Advisor

Family Annual Planning

Lauren and I went to Mexico over Christmas and the New Year.

We took one of the days we were there to map out our 2026.

What did we want to do in 2026 personally, relationally, financially.

What growth did we want to see in our businesses, who did we want to be intentional about spending time with this year, what did we need to change in our personal lives, what spiritual fruits did we need to work on, etc.

We spent 4-5 hours writing it out and talking about it.

It was a super healthy exercise and conversation to have.

Not just for our marriage but also our businesses and relationships.

Making sure we are on the same page and keeping what is most
important to us at the forefront.

So far, it has been paying dividends 3.5 months into the year.

I think business and financial planning is really common but we can overlook personal planning sometimes.

It was just a great use of a day on our trip to regroup and prep for 2026.

It will be an ongoing exercise for us from here on out!

I was talking to an ER veterinarian last week. 🐩 🩺

They had spent 4 years in undergrad, 4 years on vet school, and then were thrown into the real world with no sense of direction financially.

They were looking for professional help and direction.

There is a reason, when our dog (Birdie) isn’t feeling well or needs her annual shots, we aren't self diagnosing or prescribing her.

Professionals are professionals for a reason.

We are bringing her to the vet every time.

Same with your finances.

When you are unsure, there are professionals for a reason.

Clarity and direction lead way to confidence.

We diagnose potential issues, and prescribe solutions to your financial woes.

Too many people try to look rich instead of being wealthy.

Rich ≠ wealthy 🤑

You bring in $15,000 a month but spend all $15,000 of it on lifestyle.

Nice car, big house, private school for the kids, luxury vacations.🚗

No real savings, no direction on investing, no giving, no progress on debt payoff, and no tax strategy.

Things look amazing on the outside but on the inside there is stress, anxiety, and confusion. 😥

When there isn't clarity, there can't be confidence that you are on track.

It is like driving to a destination without a map. 🗺️

You will quickly be lost, confused, and frustrated. 😤

Plans prevent panic.

That is what we do for clients every day.

Listen, create a plan, help execute the plan, and make sure you stay on track.

If this sounds like you, message me and lets talk. 🗨️

Equity Comp can be confusing 🤯

I was talking to a client last week. His company started an RSU and ESPP program. He had a lot of questions about what he should do with that. He felt lost and confused.

Should he take them? What percent of his income should go to purchasing? When should be sell? How much of his portfolio should be made up of the company stock? Tax consequences?

Companies offer equity comp as a part of employee benefits packages. That means they should be viewed as a benefit.

Why wouldn't you make sure you are taking full advantage of them? What makes sense now, may not make next year.

💍Love is easy (ish) - money can be complicated.

I talked to two couples last week that were trying to figure out how to combine finances.

Combining finances with your partner isn’t just about merging bank accounts - it’s about merging values, goals, and habits.

Here’s what we talked about:
1️⃣ How do they each view money? Savers, spenders, grew up with financial literacy, etc.
2️⃣ What shared goals do they have? From a first home to family planning, we needed to define what they're working toward together.
3️⃣ Where are they each starting from? Have either of them done any investment planning? Do they have a 401k, employee stock options, etc? What about tax strategy?

💬 Also important to remember: financial harmony comes from teamwork, not total agreement. It isn't a red flag if you aren't aligned on everything from the start.

Making $500k a year doesn’t mean you automatically feel confident about money.

I chatted with a couple recently who, from the outside, looked like they had it all figured out.

A beautiful new home. Two healthy kids. A thriving career (he’s an OBGYN earning $500k+ a year, most of which is 1099 😶).

But behind the surface, they admitted something that a lot of people feel but rarely say out loud: “We don’t really have a plan. We’re just winging it.”

They max out a 401k every year. But after that? …

The rest of their money just sits in cash.

And every piece of “advice” they hear from family or friends feels off. It doesn’t fit their situation. It is too generic.

What they really wanted wasn’t another stock tip or generic investment strategy. They wanted:

1️⃣ A tax strategy that saves them now and in the future

2️⃣ A clear, efficient path to grow wealth

3️⃣ A plan to set their kids up for success

4️⃣ Peace of mind that they aren’t missing something important

Bottom line, they wanted clarity.

Because high income without a plan often leads to stress instead of freedom.

And that’s where real, tailored financial planning makes the difference.

Sometimes you need a different perspective to gain clarity.

If you’ve been seeking a strategy built for your unique situation, it’d be an honor to chat.

Friendly reminder that the people who freak out when the market corrects, are the people that don't have a plan in place for when it does.

There is a reason our clients aren't freaking out right now.

Last week, I got to head to Orlando to celebrate a successful year serving our clients and building our practice.

We were officially recognized as the fastest growing practice in the central US (12+ states) based on our tenure in the business.

That fact is not something that I take for granted at all. God has blessed me in some unbelievable ways. ;)

While in FL, we got to collaborate with some of the best advisors in the country and learn key insights to better serve our clients across the country.

Excited to keep expanding our practice and helping people map/execute a plan to accomplish the things most important to them!

If you have been wanting to take that next step and haven't, now is the time. Jump on the train. Reach out and lets get on an introductory call!

I have been waiting on this email for 3 weeks.

This email says that we were the leader of all similar tenured advisors in our region (10+ states) over the last year.

What this email really means is that we have been able to impact more lives, help more families, create a better future for over 65 people/families in the last year, and we did it the right way.

Incredibly thankful for clients that trust us, a team that backs me, and a wife that is always supportive. Excited to continue to grow!

Creating a Retirement Paycheck 💸

There are a few ways that you can better position yourself for your “golden years.” 💡 One piece of advice I give my clients is that it is never too early to save and invest! Many individuals don’t want to rely on social security for a good reason. More times than not, social security won’t cover your expenses. That’s why most people will create a portfolio with a variety such as pension payments, annuities, and investments. 🗂 Also, consider holding out on claiming social security before the age of 70. This allows you to reap the whole benefits of social security and not leave any on the table. However, this might be hard if you plan on retiring before the age of 70. In this case, try setting up a social security bridge strategy consisting of short-term investing to compensate for the loss of income. 📈 If this sparks an interest, reach out if you have any questions!

I had an awesome time this past week at Northwestern's 2023 annual meeting and was honored to be recognized on stage! Lots of key takeaways over the few days we were there and can't wait to implement them to help better serve our clients on a daily basis. 🙌

How to get the most out of your tax benefits: 💯

There are many ways in which individuals can take advantage of tax benefits and lower the amount of taxes owed to the government. One way is through itemized deductions. This means that you can write of certain expenses that exceed the standard deduction amount. For example, mortgage interest, state and local tax, charitable contributions, medical expenses, etc. Keeping track of these expenses throughout the year can help you maximize your deductions. Make sure you meet all criteria by consulting with a professional.