Center Team Unplugged

Angela Palacios's First Triathlon Experience

 Earlier this year, I decided I wanted to get into a sport that would increase my athletic abilities and give me more incentive to work out on a daily basis throughout the summer, which is usually filled with indulgent summer BBQs.  I decided a triathlon was what I wanted to try.  Prior to training, I had not run more than a mile or two in more than 10 years and had never swam any distance. 

Juggling a career, 5-6 days of training per week, and a family, I learned to plan my workout efficiently and stagger them to avoid injury.

I trained for 5 months and about a week before the race on June 20th I was going nuts with anticipation for the race.  Race day came faster than I could’ve ever imagined. I arrived at the event two hours early to register and get my gear set up. Honestly, I had no idea what to expect. I knew I could do each event by itself with relative ease or even two of the events back-to-back. The big question was how my body would respond to all three bricked together. Especially on a day when it was over 90 degrees at the 6 pm start time.

I did a short swim to shake off the nerves because you start in the water. With less than a half an hour to start, I was suited up and waiting in a huge line to jump into the 80 degree lake for my first triathlon!

The swim started with chaos. I decided to ease off and let everyone get situated. After about three minutes, I found myself in a steady pace.  From that point on, the swim was comfortable besides getting hit in the head once. I finished the swim with plenty of energy and made the dash through the transition area to get set for the bike. When I got all my gear on, I took off.

It was hot, so our trainers instructed us to hydrate well on the bike. I was surprised that the bike racers were pretty spread out; you weren’t competing for space on the road like I thought you would be. I finished the bike with enough energy to make the transition into the run.  Going into the transition area I realized I forgot to leave my running shoes untied so I lost time getting the knots out before I could put them on.  I bet I will never do that again!

I realized shortly after the adrenaline abated from running through the crowd and high fiving my daughter and husband that my legs felt like cement.  I really started struggling with the run around mile two and a teammate noticed. She ended up slowing down to encourage me onward for the rest of the 5k, making me run faster than I ever have to finish the race strong despite having the urge to throw up (thanks Nancy)!  I finished in 1 hour 37 minutes.

Looking back at week one, I couldn't believe how far I'd come. It seems amazing that I had just completed a triathlon when just a few months ago I couldn't even keep a jog for more than 2 miles.  Not only have I accomplished something that once seemed daunting, but I’d learned that I’m often capable of much more than I think I am, I only need to try! Despite the grueling work it takes to get ready for a triathlon, I’m already looking forward to my next one in July!

Being successful (It’s not the same as being a success)

 One has to do with accomplishment and the other with the ongoing will to improve continuously.  One looks back at what was completed and the other looks forward to what is needed to stay vibrant.

A success is old news!

There is a strong correlation with getting up in the morning and getting up in the world. And nothing that good happens after 10 p.m., anyway.  Or maybe I’m just a morning person.  Much of success is state of mind. In the early ‘90’s, when I entered the business world, I half-jokingly told my parents and family I was one of the best financial advisors in the world. They would look at me and laugh. One of them would say, “Matt you hardly have any clients. You’re just starting out and I know darn well know you are not the best financial advisor in the world.” I would pause and say, “Those are simply my circumstances, but I’m doing everything to be one of the best financial advisors in the world.”

Part of being successful is luck.  Think of Christopher Columbus. Fairly successful, right? Discovered the new world and all, despite the fact that he didn’t know where he was going when he started, when he got there he didn’t know where he was, and when he got back he didn’t know where he had been. Today, he’s a hero.

But luck is also the residue of design. Not to downplay luck, but, successful people develop a plan.  That’s the first step. Here are a few more steps down the path:

  • Develop a 5-year plan for your personal and professional life (and update it annually!).
  • Have a positive attitude.  Ask yourself  “What’s the most powerful force in the world?” My favorite answer is, “Your attitude”.  That stuck with me. 
  • Have a commitment – you will do that which you are committed to.  I think I have always been committed to seeing that clients have a suitable, individual plan in place for reaching their goals.
  • Write down 100 things you want to do in your life before you die.
  • Join a nonprofit group that you believe in.  Get involved in something greater than yourself.
  • Write personal notes to friends, family, and clients whenever possible.
  • Find very intelligent people in your life and spend time with them, especially if you don’t always agree with them.
  • Take up meditation: Seriously. I love the quote, "Only in quiet water do things mirror themselves undistorted. Only in a quiet mind is adequate perception of the world." Hans Margolius

If you want to be successful, you can wait for luck or you can start to design your plan. I say work hard, have an insatiable focus, never stop learning and growing, and learn from the best mentors. 

Any opinions are those of Matthew Chope, CFP(r) and not necessarily those of RJFS or Raymond James.

 

Center Walks and Donates for Epilepsy

Fun was had by all at the annual Epilepsy Foundation of Michigan Summer Stroll at the Detroit Zoo on Saturday, June 9th.  Face painting, breakfast goodies, and prizes all while personally raising over $450 with the entire Summer Stroll raising over $120,000 towards the research on epilepsy.

As many of you know, my family participates in the Epilepsy Foundation Summer Stroll every year to help raise money for the Epilepsy Foundation of Michigan.  My family collects donations each year in honor of my dad, Bill Hallock, who continues to thrive since his 2008 brain surgery which removed all of the diseased tissue in his brain causing his Epileptic seizures.  Dad continues to enjoy the freedom of driving a car, playing golf whenever he feels like it and making the best of his new found freedom – even donating his time to “Meals on Wheels” and the “Kiwanis Club” in Ann Arbor.

The Epilepsy Foundation of Michigan estimates that between 100,000 to 200,000 people in Michigan have epilepsy. Anyone can develop epilepsy at any time. In about 70% of cases, there is no known cause. Of the remaining 30%, the following are most frequent: Head Trauma, Brain Tumor or Stroke, Lead Poisoning, Infections, & Maternal Injury. To find out more please visit them online at www.epilepsymichigan.org or call (800) 377-6226.

A personal thank you to family, co-workers and friends for the continued support for a cause close to my family’s heart.  

Jen Hackmann

Angela Palacios Training for Not 1, but 3 Triathlons!

What was I thinking? CFP Angela Palacios, our Portfolio Coordinator, makes a commitment to healthy living that has her diving into a summer of triathlons.

Summers are my favorite time of year.  My family and I are fortunate enough to have a pool in our backyard and a great place for a summer BBQ with our friends…unfortunately, we have a great place for summer BBQs with our friends.  That means there is always a party and reason to celebrate with chips, meat, desserts and beer at our house!  This invariably ends up in my clothes fitting a bit snugly come September.

Well, this year I decided no more!  So instead of just deciding to cut back on indulging so much each weekend, like a normal person would do, I decided to commit to doing 3 sprint triathlons this summer (.5 mile swim, 12 mile bike and 3.1 mile run).  Since I have never done anything like this in my life, I’m still not sure what I was thinking but after several months I have learned how to swim (other than just floating around on a pool toy), ride a bike (which I haven’t done for over 20 years), and run (which I have never been a big fan of).  After logging 12.4 miles in the pool, 163 miles on my bike and 48 miles on foot so far in training, I feel as though I may actually be able to do this. 

My first triathlon is June 20th at Island Lake Recreation Area and my ONLY goal for the first one is to finish. We’ll see after that if I set any more lofty goals for the next two in July and August. 

Hopefully at the end of all this I will be in better shape at the end of the summer than I am now and will be setting a great example for my daughter Lilly that you can truly do anything you set your mind to!

 

India in a Week

When the Center for Financial Planning’s Jaclyn Jackson isn’t at work or pitching in to help the local community, she’s jetting to the far-off corners of the world. On a recent weeklong trip to India, she experienced the culture, the adventure, and saw world-renowned landmarks firsthand. What started as a visit with her best friend, a Fulbright scholar teaching English in New Delhi, turned into the journey of a lifetime. Here’s Jaclyn’s story:

Day 1:  I’m not in Kansas (Michigan) Anymore

After a long fifteen-hour flight, I finally arrived at the newly built Indira Gandhi International Airport, named after India’s first female prime minister.  Excited to stretch my legs and get some fresh air, I quickly made my way outside.  I was pleasantly surprised by the warm, night temperature, a comfortable 70◦F.  I met up with my friend; we hailed a cab and made our way to her home.  As the cab driver (I playfully dubbed him the Mario Andretti of India) raced down the highway weaving in and out of traffic, frequently honking his horn, and giving wind to the basic rules like driving in your lane, I quickly realized I was not in Michigan anymore. I was definitely in India and I’d just had my first encounter with the congested, fast-paced (and at some points what seemed to be death-defying) traffic that is characteristic of New Delhi.  My friend and I settled into her home, ate a late dinner of Pizza Hut (yes, Pizza Hut –they’re everywhere) and geared up for shopping the next day.

Day 2: The Art of Haggling

I visited two of New Delhi’s popular markets, the Lajpat Nagar Market and Dilli Haat.  My friend and I started off at Lajpat Nagar, a traditional Indian market.  We were greeted by several vendors, all vying for our attention. Admittedly, I was taken by the hustle and bustle of the crowd as well as the vendors’ aggressive sales tactics; this was Detroit’s Eastern Market times one hundred. It was like I was in a movie: beaded jewelry, ornate sarees, and pashmina scarves decorated the set; the sound of merchant’s recruiting customers and broadcasting sales created the soundtrack; and shopping for deals sparked plenty of “action”. After buying a few items at Lajpat Nagar, we headed off to the more tourist-friendly market, Dilli Haat.  There, tourists can purchase unique, one of a kind handcrafted souvenirs from Delhi’s artisan community. Haggling is king at Indian markets and I got my first taste of haggling at Dilli Haat. The merchant offered me an inflated price, “1500 rupees”; I offered a counter, “1000 rupees”.  He quoted a slightly lower price “1200 rupees”, my friend encouraged me to stand firm. He tried again.  I didn’t budge, “1000 rupees”.  Finally, he folded and accepted my counter offer.  Even though I work with investments on a regular basis at the Center, I truly understood the meaning of “market value” haggling in India.

Day 3:  A Walk in the Park

After our busy day at the markets, my friend decided to take me to the Hauz Khas Complex (English translation: Royal Tank).  It is one of the places she goes to relax.  Although ruins of Firuz Shah’s tomb, an Islamic seminary, a mosque, a “water tank” (reservoir), and pavilions create the complex, it functions more like a park for modern South Delhi residents.  HauZ Khas reflects Islam’s influence on India’s culture.  Behind Hinduism, Islam is the most popular religion in India.  The art community surrounds the complex with galleries, posh restaurants, vintage art, jewelry, and clothing stores.   My friend and I enjoyed a meal on the patio of a cosmopolitan restaurant, Amore.  Full of young adults with smartphones in hand, the restaurant crowd could have been superimposed into any restaurant in Collegetown, USA.

Days 3 and 4:  The Great Wonders of the World

A trip to India is not a trip to India without a visit to the Taj Mahal in the city of Agra.  Accordingly, my friend and I set way towards Agra, located about four hours south of New Delhi.  It was love at first sight:  the Taj Mahal is more gorgeous than I’d imagined.  But my reaction was no surprise.  After all, it is known as “the monument of love”. The Taj Mahal is a tomb built by Mughal emperor, Shah Jahan, for his wife who died in child  birth.   However, it was surprising to discover the Taj Mahal was not all white marble.  It is decorated with lotus flowers and calligraphy made with precious stone (like jade, jasper, and crystal) inlay.  Our tour guide even revealed some of the optical illusions one would only notice spot-on in person.  The impressive monument took just over twenty years to build.  It is accompanied by a mosque, guesthouse (“jawa”) and guest quarters that could accommodate over two hundred visitors. The Taj Mahal is a definite crowd pleaser; visiting it was one of highlights of my trip.

Day 5:  A Day of Remembrance

Mahatma Gandhi is probably the most well-known person from India; he is a world icon.  His philosophy of non-violent protest has helped liberate people all over the world. Not to mention, he is the originator of my favorite quote, “Be the change you wish to see in the world”. Accordingly, I jumped at the chance to visit his national memorial and museum. I gathered tons of information from the museum about how Gandhi led the salt tax protest, how he advocated for women’s rights, and how the charkha became a symbol of Indian independence from the British.  After discovering more about Gandhi’s contributions, it only seemed right to have an eternal flame memorialize his legacy.  As I stood there at Rajghat, the name of Gandhi’s memorial, watching his eternal flame burn, I was reminded that one person’s actions can help millions. I thought about the type of legacy I’d like to create and the impact I’d like to make on the world. 

Day 6:  More Alike than Different

My last day in India was amazingly fun!  I happened to be in town for one of India’s most celebrated holidays, Holi.  Also known as the Festival of Colors, Holi is associated with Hindu mythology but largely celebrates the arrival of spring.  People celebrate by throwing colored water and powder at each other (hence the name, Festival of Colors).  Essentially, Holi is a nation-wide water fight!  My friend’s apartment was conveniently located across the street from the park where her community celebrated.  I crossed the street and entered the park clean as a whistle, but I was instantly attacked by neighbors armed with colored powder and water guns.  And just like that, I was ready for war.  Grabbing two handfuls of colorful powder, I started my counterattack.  After about an hour of throwing powder and spraying water, most of us began interchanging rounds of musical chairs with dancing and eating.   Among others, I enjoyed snacking on pakora, spicy vegetable fritters traditionally served with chutney.  As I sat down for lunch under the eighty-degree sun with a plate of traditional Indian foods, I couldn’t help but remember the annual block picnics I’d celebrated during childhood.  The water fights, the music, the food, the friendly neighbors, the sense of community all reminded me of home.  Even though I’d spent the entire week experiencing new things and learning new customs, in that moment, I couldn’t help but think we are all more alike than we are different.

Day 7:  There’s no Place like Home

The week blew by and before I knew it, I was back on a plane heading stateside.  However, as I walked through the airport noticing people dressed in University of Michigan attire (Go Blue!), I had to admit, there’s no place like home. Still, I brought many memories of India home with me … zooming through busy traffic in rickshaws, haggling at the markets, viewing world wonders, remembering world leaders, celebrating spring festivals, and learning that despite the distance, there is so much that connects us. 

2012 Cystinosis Fun Run/Walk

On May 6th we will hold the 6th Annual Cystinosis Fun Run/Walk in honor of our daughter, Kacy Wyman.  In the past we have had over 300 walkers and runners support the event and Kacy. We understand that there are many worthy causes and feel very fortunate that so many have chosen to support Kacy’s cause in the past – and appreciate you considering a financial contribution for our May 6th event. All proceeds benefit Cystinosis Research Network. CRN is an all-volunteer, non-profit 501(c)(3) organization. The CRN Federal Tax ID# is 04-3323789.

Thanks to 37 pills a day, eye drops 8-10 times per day and 7 liters of water Kacy’s condition is stable – but we need a cure. Your financial support is making a difference in Kacy’s life and all of the children enduring this rare disease called Cystinosis (Sis-ta-know-sis). Your support drives research and gives us hope that a cure will be found during Kacy’s lifetime.  Thank you again for considering.

With Love & Gratitude,
Tim & Jen Wyman

Checks should be made payable and sent to:
Cystinosis Research Network
c/o Center for Financial Planning, Inc.
40 Oak Hollow Street, Suite 125
Southfield, MI 48033

Gunthers Make Landfall in Landfall

It was hard to leave our beloved Michigan, but Ron and I put down roots in Landfall, a large community  near the beach on the outer edge of Wilmington, NC.  Picture not one, but two golf courses (lovely, even though we don’t golf), a great sports facility, 25 tennis courts, pool and work out rooms (that’s where you’ll find us most days).  It’s not a traditional retirement community. In fact, we have over 1000 kids in Landfall. Our neighborhood is mostly seniors but we love the mix of ages throughout.  What we noticed early on was how friendly and welcoming the people are here.

Ron and I truly enjoy the many opportunities this university town provides—we find ourselves on campus many times a month for lectures and classical concerts, recently seeing the Soweto Gospel Choir from South Africa.  We love the live theatre and the fun people the film industry brings to town plus, down here you get to hear “real” blue grass music.


But despite the beaches and beauty, Wilmington isn’t all culture and charm. Now that Wilmington is home, we also see need. I am on the board of directors for the Landfall Foundation, raising money for nonprofit organizations in our community. Luckily, this is an affluent area and the commitment of the folkshere involved in the foundation is inspiring.  Since 1995, the Foundation has given over $2.4 million to carefully screened non-profits in the areas of education, health and welfare, and the arts. Additionally, I represent our foundation on an advisory board at the University, focusing on Quality Education for Non Profit Organizations (QENO). Running seminars and classes for directors and boards of non-profits, we help them to be more effective and efficient.

Ron is taking a more hands-on approach, donating several mornings a week to our local food bank.  He is also on our neighborhood board of directors. We both find it rewarding to get involved in our new community and to have the chance to give back.

Michigan is and will always be in our blood.  We take people to task when they talk about the car industry and I proudly wear my Detroit T-shirt when I work out.  Of course, we miss home, but most of all we miss friends.  Clients are special friends, you know, and the Center is a very special place.  As I learned in Girl Scouts, “Make new friends and keep the old, one is silver the other gold”.  Aren’t we lucky to have both in our lives?  Our doors are open to visitors.  We make good tour guides and if you’re not careful, you might fall in love with Wilmington, too!

Where in the World is Marilyn Gunther?

When you retire from Michigan, it seems like you have one of two choices. Florida or Arizona. So how did we Gunthers end up with a forwarding address of Wilmington, North Carolina?  And where the heck is Wilmington, North Carolina, for that matter?

Well, it’s in the southeastern corner of the state, a little more than an hour north of popular vacation destination Myrtle Beach.  Located on the Cape Fear River, the town is surrounded on the east with inter-coastal islands and beaches. With a population of 110,000, this port town is also a college town with a beautiful campus of the University of North Carolina at Wilmington (13,000 students) and a thriving Cape Fear Community College.

Home to a major Coast Guard Cutter, Wilmington also boasts the largest film studio outside of LA. It has a diversified economy with major facilities of Corning, Inc., General Electric and several drug research and development firms and during the last decade this area took part in the housing boom. Our climate is subtropical, sunny, and mild (think 50’s in January and 80-90 degrees in August). Trust me, Ron and I don’t have to twist any arms to get our family to come visit.

No, I didn’t take up a job with the Chamber of Commerce. And no, I’m not making a case for you to retire here too, however …

There’s a rich history too! Wilmington was the last port to close before Lee surrendered, ending the Civil War.  The town was left alone, relatively off the beaten path, and did not begin to flourish until the 1980’s when I-40 was built to bring Raleigh folks to the beaches.

For those of us who have been coming here for years, Wilmington was a well-kept secret.  The secret is out.  The beaches are pristine (a favorite of surfers), the restaurants great, the riverfront walkway fun, and the historic homes and gardens lovely.   The blend of college students, well-off young retirees, senior citizens and dock workers provide an interesting and often time colorful mix. We are not spit and polished — upon close inspection, you’ll find dirt under Wilmington’s fingernails.