March 7, 2017

Two of the things I enjoy a great deal are developing retirement plans for clients and woodworking projects for some very special people.  Don’t misunderstand me…my clients are all very special people too.  I’ve been developing retirement plans and woodworking for many years now and am always excited when doing both.

The approach is the same for both endeavors.  In developing retirement plans, there are no “cookie cutter” plans.  No one plan fits each client and must be developed with the flexibility to make adjustments during the accumulation phase of the plan.  Without a well-planned accumulation phase, the retirement goals in most cases will never be reached.  With flexibility and continuous review, it may be necessary to “tweak” the plan as retirement funds are accumulated to the time of retirement.  A successful retirement plan eliminates the “shock” of arriving at your selected retirement age and realizing your retirement date must be postponed or you won’t be able to “stay” retirement and need to get a job to supplement your retirement funds.  Social Security retirement benefits, while included in your planning, will in most cases be insufficient to fund the retirement you’ve dreamed about for many years.

One very important thing in being successful on a woodworking project is measure twice and cut once.  I am conservative in both retirement planning and woodworking.  I allow the flexibility to “tweak” and retirement plan and I often measure three or four times before making a cut in woodworking.  After making the cut, it’s very difficult to attempt to “tweak” for a board that was cut too short.  The result often leads to a waste in very expensive lumber and a pile of scraps that may be used in another project…or unfit for future use.


I have started a new project for my wife and I want it to be perfect when completed.  I will be showing the progress in future blogs if you want to follow to find out what the project is.  Let’s hope my scrap pile doesn’t grow or there will be no necessity for “tweaking” as I continue to measure, measure, and measure and make each cut successfully.

If you are interested in developing a successful retirement plan or “tweaking” the plan  that you already have…or maybe even making adjustments after you have retired to make certain you may remain retired…visit my website and complete the “contact” information and receive a prompt reply:


I have also discovered the hard way that following God’s plan for me requires a great deal of “tweaking” to the  plans that I have for my life.  It’s a great feeling when I make adjustments in my plans to agree with the plans God has for me.


February 26, 2017


January 13, 2017

Retirement and/or remaining retired doesn’t just happen.  The people looking ahead to  retirement have a major challenge on their hands.   Not only do they have to convince all those affected, but they have to plan the  whole process.

For many years the  following acronym has helped people to think through their plans whenever a major challenge or  opportunity approaches:

  • P – Predetermine your course of action.
  • L – Lay out  your  goals.
  • A – Adjust your priorities.
  • N – Notify all concerned.
  • A – Allow time for acceptance. 
  • H – Head into action.
  • E – Expect problems.
  • A – Always point to your  successes.
  • D – Daily review your progress.

As an investor, one of your main goals is, of course, building a nest egg for your future.  This will involve not only making difficult decisions at times, but  also learning a bit about  investing itself so that you can make those decisions wisely.

You, as an investor, must develop your philosophy as an investor and act consistently as a investor and not as a speculator.  The goal of speculating is to  achieve a large gain in  a short amount of  time.  Speculation involves a large risk in nearly all circumstances because, as we always say, if  something seems too good to be true, it probably is.  That’s not to say that speculating can’t pay off; it can, but the trade-off for potential large, quick gains is usually a considerable risk of loss.

By contract, investors commit to a long-term strategy based on sound investment principles.  An investor also seeks to gain  money, of  course!  But the focus is on the long view, not the short-term, fast gains.

Future retirees and those who are already retired need to put in place a team that will work to achieve the goals desired.  This team should include the individual as well as a financial advisor, a CPA, and an attorney.  This will accomplish the planning ahead that is necessary and also aid in the continuing monitoring  of the process of  reaching retirement.

Burrows Financial works every day in planning and monitoring retirement plans for individuals who want a plan that works.  We strive to eliminate the risks to ascertain that the retirement goals are achieved.  If you don’t have a team in place, I can be of assistance in forming a team for you.  It is never too late or too early to ease yourself of the worries and concerns by setting goals for your retirement.

It is time to take charge and visit my website and complete the contact form information  and  I will be in contact with you immediately:

My website contains news updates, articles, and blogs about retirement.


Exodus:  5:1

No question about it, Moses had a major challenge on his hands.  Not only did he have to convince everyone…including Pharaoh…to let him lead the Hebrew slaves out of Egypt, but he had to plan the whole process.  To mobilize his countrymen he first had to organize them.  That required shrewd planning.  He had to plan ahead…not  lead from behind.

Have a great day!




January 4, 2017

Reaching the goals in financial planning for an individual or family is not a matter of presenting a predetermined package and assuming it will provide for the needs and goals of the  retirement plan.  A financial advisor needs to  respond to individuals based on their needs rather their lack of having a formal retirement plan.  Not having a retirement plan sometimes causes an advisor to concentrate on this fault of the individual and not the needs and goals of that individual.

A predetermined package is not the way to lead the individual in developing a plan for retirement plan.  The advisor must size up every situation and discern what must happen to  reach the desired goal.  Like a quarterback who reads the defense, then calls an audible from the line of scrimmage, good advisors remain flexible and may change their response, based not on what a person deserves, but on what they need to succeed.  Good advisors follow this path in difficult situations:

  • They need:  They aren’t afraid to admit they need to listen and get understanding.
  • They read:  They evaluate what has happened and what steps are the best to take.
  • They feed:  They communicate what they’ve observed to the key players.
  • They heed:  They act on the basis of their discovery, even if it means change.
  • They lead:  They provide direction to those involved.

The advisor leads only after they have determined the need,  read the situation, feed to the individuals through communication, and heed by acting on their discovery, even if changes are to be made.

When meeting with a prospective client about developing a retirement plan and there is not formal plan, it is not time to concentrate on the “fault.”  Most people don’t want to be criticized by pointing out the fault of not having a plan.  It is never too early nor too late to develop a plan that will meet the needs and goals of the individual.  It is time for the advisor to be a leader and provide encouragement and expertise in the development of a plan.


Proverbs 25:21,22

Leaders need to respond to individuals based on their needs rather than their faults.  Proverbs 25:21,22 encourages us to see what others need…even our enemies…and respond accordingly.

Have a great day!




December 7, 2016

Two emotions usually follow a great achievement or growth in your retirement funds:  first, a sigh  of relief and celebration; and second, a sense of…not what?

Have you been there?  How did you handle it?  How we handle this tells us a  lot about our character:  The period following a success can become a dangerous time.  Sometimes we feel tempted toward complacency, especially if we lack another goal.  We can become satisfied and let down  our guard.  Momentum leaks.

The moment of success is a crucial time for retirement investor and the financial advisor they depend on.  Each must be able to change…or face a transitional problem.  The transitional problem occurs when each one does not know how adapt to changing with the times.

Proper retirement planning requires the character and ability to adapt to the changing times.  The investor and advisor, to be successful, must not be tempted toward being complacent and discontinuing to set new goals to achieve the best results to make certain that reaching retirement and being able to remain retired can be attained.

Two Types of Requirement by Retiree and Advisor

1.  Catalyst:  Gets it going             1.  Consolidator:  Keeps it going

2.  Designer:  Thinks it up             2.  Developer:  Follows it up

3.  Motivator:  Encourages            3.  Manager:  Organizes

4.  Entrepreneur:  Relies on self    4.  Executive:  Relies on others

Successful retirement planning requires a partnership between the future or present retiree and the advisor.  The initial goal of retiring should always be accompanied by recognizing the needs for remaining retired.

Please visit my website and complete the contact information and I will answer your questions and/or assist you in developing a plan that will suit your needs.  Many people only think about before tax (qualified) funds to reach their retirement goal.  A better retirement plan will also include after-tax (unqualified) funds.  By using both  types of funds your retirement will have the flexibility and liquidity to meet the unforeseen needs that may arise.



November 18, 2016

After many years of financial planning, I find that many times people come to me that have not heeded the alarm bells for many years.  Retirement planning involves a team.  The players in this team are the person looking to retirement, an attorney, a CPA, and a financial advisor.  Why do you need all  of these?  Each of them, including the future retiree, should be accountable to the  team to sound the alarm bells at the right time to reach the goals of the retiree.

In retirement planning you can’t “pull a fast one” on the future needs for retiring and remaining retired with sufficient funds to enjoy your retirement.  A good financial advisor will sound the alarm bells when appropriate and hold you accountable for the ongoing needs of your plan.  You should also hold the financial advisor accountable with your own alarm bells. 

It’s really fun to enjoy the fruits of  your  labor during your earning years, but the fun ceases when you approach retirement and finally hear the alarm bells and begin to doubt whether you will be able to retire.  You may even begin to be concerned about whether you may remain retired.

When you approach retirement age and begin to faintly hear the alarm bells, you will most likely realize you could have done many things different (like starting a retirement plan).  It’s not comfortable to realize what could have been when the game is in the ninth inning and you are behind.

These are some of  the things you need in developing and maintaining a retirement plan:

  • Do you have an ongoing relationship with your financial advisor to sound the alarm bells?
  • Are you keeping  your  priorities straight?
  • Are you asking yourself the hard questions?
  • Are you being accountable?
  • Are you over-concerned with current wants and needs while ignoring retirement?
  • Are you putting more stock in “events” rather than the  “process?”
  • Are you being too much of a  “loner” in your planning?
  • Are you planning on relying only on Social Security Benefits to take care of  your needs?

If this blog post causes you to hear the alarm bells, it’s time to take the first step and call me or visit my website and complete the “contact” form and I will contact you immediately:

Have a great day and I am excited about hearing from you.


Galatians 6:7-10

We can’t pull a fast one on God.  He sees all and  cannot be deceived.  He notices our shortcuts and also our efforts when we do well.  To ensure that we live by this truth, seek others to hold you accountable and act as your “Alarm Bells.”

  • Is my personal walk with God up-to-date?
  • Am I keeping my principles straight?
  • Am I asking myself the hard questions?
  • Am I accountable to someone in authority?
  • Am I sensitive to what God is saying to the whole body of Christ?
  • Am I over-concerned with building my image?
  • Do I put more stock in “events” rather than “process?”
  • Am I a loner in my leadership and personal life?
  • Am I aware and  honest about my weaknesses?
  • Is my calling constantly before me?

Have a great day!



November 2, 2016

I sometimes like to look back into the past and see the results of my actions or inactions.  What effect did my decisions have on the goals that I had set forth?

I didn’t walk 20 miles in the snow to get my education.  I only lived 3 1/2 miles from school and I either rode the school bus or my parents took me.  When I got a little older and owned a bicycle, I had new transportation that made my daily schedule a little more  flexible.  Then, I was able to buy  a used car, and the quality of  my transportation changed.

Even as a teenager, attending school or going to town required planning.  I had the choice of two routes.  One route required me to travel on a dirt road for 1 mile to get to the  pavement.  The other route was 2 miles from the city streets.  Of course, when riding a bicycle, then sooner I could get out of sandy roads and be on pavement made the trip faster and easier.  There was a stretch of road we called “corduroy” because of the wavy condition.  It wasn’t too bad on a bicycle, but it would jar your teeth in a car unless you drove very slow.

In financial planning I realized that many times developing and following a retirement plan is much like the paragraphs above.  A decision must be made in the planning to reach your retirement goals.  The structure of the plan must have the flexibility to  adjust for the bumpy roads you may encounter as you travel the road to retirement.


  •  Plan to plan.  Give time for planning and  organizing.
  • Determine your primary purpose.  What’s the big picture?  What are you trying to do?
  • Assess the situation.  Understand where you sit before trying to develop a strategy.
  • Prioritize the needs.  Make sure all parties involved agree on the most important goals.
  • Ask the right questions.  Ask about market, leadership, income, reporting, evaluation.
  • Set specific goals.  Write goals that are realistic, measurable, flexible.
  • Clarify and communicate.  Communication links planning and  implementation.
  • Identify possible obstacles.  Mentally walk through all you are trying to accomplish.
  • Have an open system approach to you planning.  Be sympathetic to your circumstances.
  • Schedule everything you can.  Get things on the calendar and set deadlines.
  • Budget everything you can.  Determine both the costs and due dates of obligations.
  • Monitor and correct.  Progress is lake a canoe trip; constantly adjust your course.
  • Study the results.  Evaluation prevents stagnation and exaggeration.


As a financial advisor, this is what I do each  and every day.  Contact me by visiting my website and completing the contact information.


Numbers 2:1-34

After Moses led his people out of Egypt and into the wilderness he needed to  plan and organize.  He had twelve tribes to plan for with all the needs and problems they encountered in the wilderness.  His planning was essentially the same as we encounter today to set our retirement goals and making sure that we can remain retired.

Have a great day!



October 27, 2016

Retirement doesn’t just happen.  And, remaining retired doesn’t just happen.  There are tough calls from the start and  continue  through the accumulation period to reach your retirement goals.

The first tough call is the decision to develop a retirement plan.  Without a plan, you will face many difficult decisions during the accumulation period.  Many people fail because of an inability for making a tough call.

Here are some of the guidelines for making a tough call:

  • Tough calls are required to develop a plan for retirement.
  • Do your homework.  Research can make or break a decision.
  • Set a deadline.
  • Make sure the timing is right.  The earlier you start, the more successful you will be.
  • Seek counsel.  Choose your team (attorney, CPA, and financial advisor) together by selecting the right people
  • Make your decisions on the current economic conditions and research.
  • Develop a plan that will enable you to make the tough call when circumstances and  goals change.
  • Flexibility in your retirement plan will allow for adjust during the accumulation period and remaining retired.

The most exciting part of my job as a financial advisor, is counseling the future and/or present retiree in making the tough calls.

Visit my website and complete the “contact” information and I will contact you and be available to assist you in making these tough calls.


Jeremiah 42:1-43:13

Most leaders don’t look forward to  making tough calls.  Jeremiah had to make a tough call when his people rejected God’s solution to a dilemma.

Many leaders fail because of an inability to make tough decisions.  Consider some of the guidelines for making a tough call:

  •  Accept tough calls as a requirement of leadership.
  • Do your homework.  Research can make or break a decision.
  • Don’t procrastinate.  Set a deadline.
  • Make sure the timing is right.
  • Seek counsel from the right people.
  • Make your decisions on the principles and values you believe in.
  • Develop systems that enable you to make a tough call.
  • Understand the emotional expense of making a tough call.
  • Recognize your part and  God’s part.
  • Pray for discernment and courage.

Have a great day!


October 25, 2016

I have mentioned in prior posts that the person looking forward to retirement and/or the person already in retirement needs a “Retirement Team.”  (Retiree, attorney, CPA, and financial advisor)  This team must possess good decision-making skills and work together to achieve the goals of retirement.  This is an  ongoing process in developing a retirement plan with the flexibility to make adjustments to assure the goals are met and the retiree will be able to remained retired.

The following are a few of the decision-making skills:

  • Maintain a vision of the big picture.
  • Gather all the information possible.
  • Listen to those closest to the situation.
  • Narrow the best options.
  • Imagine the outcome of the best options.
  • Note the ramifications to the decision.
  • Make choices based on the following criteria:

* Which best achieves the goals?

* Which benefits all people involved?

* Which aligns itself with the mission to be accomplished?

Retirement doesn’t just happen!  If goals are not determined and formalized into a plan, it is very improbable to realize when and if they are achieved.  There are no “cookie-cutter” plans to adopt to achieve the results you desire.

Put your team together and be able monitor the progress as you look forward to retiring and remaining retired.  During this monitoring process you will be able to make the necessary adjustments due to changes in circumstances and the “ups and downs” of the  economy.

Visit my website listed below and complete the “contact” information.


(Jeremiah 40:5-41:2)

The Babylonians appointed Gedaliah the governor of Judah and put him in charge of the poor who had not been taken into exile.  But the man failed to develop good decision-making skills.  In fact, he  made one disastrous decision because he neglected to process available information.

What could Gedaliah have done to better approach the decisions before him?

  1. Maintain a vision of the big picture.
  2. Gather all the information possible.
  3. Listen to those closest to the situation.
  4. Narrow the best options.
  5. Imagine the outcome of each option.
  6. Note the moral and  spiritual ramifications to the decisions.
  7. Make choices based on the following criteria:

* Which best reflects the mind of God?

* Which  benefits the whole of the people?

* Which aligns itself with the mission you are to accomplish?

Have a great day!



October 20, 2016

Developing a retirement plan that will accomplish the goals of the retiree requires leadership.  Leadership must seek wisdom and understanding.  The leadership I speak of is the leadership of the retirement team.

Who are the members of this “retirement team?”  The leader of the team is the person who is planning for their retirement.  The leader’s responsibility is to put together the rest of the team.  The professionals needed are:  Legal, Accounting, and Financial Advisor.

After selecting the legal and accounting professionals, the financial advisor you should select should have the following qualities:

  1. Think bigThe plan must provide for funding, retirement, and remaining retired.
  2. Think other people:  Bring the family and other professionals into the planning.
  3. Think continually:  Don’t discontinue planning and be satisfied with today’s answers.
  4. Think bottom line:  Always be flexible to achieve and see the results of the planning.
  5. Think continual growth:  Always adjust to the current conditions and make improvements to the plan.
  6. Think without lines:  Always be willing to think outside the box to accomplish the goal.
  7. Think victory:  Look forward to the retiree reaching the goal and enjoying the fruits of  the planning process.
  8. Think intuitively:  By experience, have the sense of what will work.
  9. Think servanthood:  Realize the value and pleasure of serving and adding value to the retiree.
  10. Think quickly:  Evaluate quickly the needs of the retirement plan as it relates to the current economic conditions see possible answers available in the marketplace.

If you haven’t selected your team, visit me at my website and complete the contact information.


The Irony of Spiritual Leadership:  Get Understanding but Don’t Lean On it.      (Proverbs 3:5,6)

Proverbs poses an apparent paradox in spiritual leadership.  We are to get wisdom and understanding, yet we are not to lean on it apart from the Lord.  Even  good wisdom divorced from God can become a snare.  So how are Godly leaders to think?

  1. Godly leaders think bigThey realize God’s vision is usually bigger than theirs.
  2. Godly leaders think othersThey always include others in the mix.
  3. Godly leaders think continually:  They’re not satisfied with today’s answers.
  4. Godly leaders think bottom line:  They want to see results and fruit.
  5. Godly leaders think continual growth:  They want to keep improving.
  6. Godly leaders think without lines:  They let God outside of the box.
  7. Godly leaders think victory:  They want to see God’s rule come to earth.
  8. Godly leaders think intuitively:  They have a sense of what will  work.
  9. Godly leaders think servanthood:  They want to serve and add value to people.
  10. Godly leaders think quickly:  They evaluate quickly and see possible answers.

Have a great day!