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Financial Architects - April 2019

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Financial Architects - April 2019

APRIL 2019

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LEARNING WHAT MATTERS Nick Sanchez Celebrates the Past and Future

High school was the first time I dipped my toe into the world of finance. My economics teacher ran a simulated stock market for the class, letting us make mock investments,

very nervous. After all, it was just going to be me and the president of the company I wanted to work for. Ken invited me into his office, and after I’d sat down, he got up from behind his desk and sat next to me as though we were equals. I immediately felt at ease; it was unlike any job interview I’d had in my life. I didn’t get hired on the spot. At the time, the firm only had seven advisors, and as Ken explained, there just wasn’t anyone available to train a planner who was fresh out of school. So I put my head down and stuck with the company I’d interned with. Four years later, I made the leap to Financial Architects, and I haven’t looked back. While the firm may be much larger than it was when I first walked through its doors, the friendly, down-to-earth attitude hasn’t changed. Ken and the rest of the leadership team are very much in the trenches with us, day in and day out. Meanwhile, our support team works incredibly hard to support us behind the scenes. The work me and my fellow Financial Architects do each day simply wouldn’t be possible without the diligent work of these professionals. The ways all levels of our team come together to collaborate sets Financial Architects apart as a firm. Thanks to this unique culture, I’ve been able to grow a lot over my 8 years at the firm. While I was able to learn the technical aspects of financial planning in college, it

was Financial Architects that showed me how much developing personal relationships matters. Our people-first approach didn’t just help me as a professional; it also helped me prepare for fatherhood. Just as I’d dreamed of in the career counselor’s office at CMU, I’ve married and started a family. My wife, Diana, and I have a 9-month-old son named Leo, and he certainly keeps us busy! As badly as I wanted kids before he was born, I was still blindsided by the amount of love I feel for this little bundle of joy. The happiest part of my day is hearing his excited laughter as I get home from work. As a new parent, I’ve noticed that everyone is quick to tell you how fast kids grow up. I can certainly see what they mean. It feels like we only brought Leo home from the hospital yesterday. When I began to feel the pressure between being there for my son and getting to work, Ken once again stepped in to put me at ease. “You’re a father and a husband first and an advisor second,” he told me, smiling. As he pointed out, how could I serve my clients if I was stressed about my home life? It’s this holistic approach to business that makes Financial Architects so special.

and tracked how our decisions would pan out in the real market over the course of the school year. Looking at my imaginary returns at the end of the experiment, my one regret was not investing real money. So, when I went off to Central Michigan University, I went straight to the career counselors to learn about jobs in finance. I quickly learned that the nine-to-five office work of a general financier was not in the cards for me. As someone who knew he wanted to start a family one day, the more flexible hours kept by financial planners excited me. Thankfully, the college had just added a financial planning program. Jumping into my studies, I soon found that the technical aspects of the field came easy to me. I knew I’d found my field. Toward the end of my schooling, I was working as an intern at a large company but wasn’t sure if I wanted to be there long term. After graduating, I sent my resume to a small but promising firm, Financial Architects. That’s when Ken Grace invited me to interview.

Here’s to the things that matter most,

–Nick Sanchez

I still vividly remember that meeting. It was 2007, I was just 21 years old, and I was

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Rated E for Everyone What Do Ratings Mean, and How Should You Use Them? Despite guidance from ratings systems, it can be difficult for parents to discern what digital content is appropriate for their children. Learn more about ratings guidelines for common entertainment media and how to decipher that information so you can make educated decisions that work for your family. MOVIES: G-rated movies are considered suitable for all ages, whereas PG, PG-13, and R-rated movies are progressively less appropriate for kids because of violence, nudity, and language. Some ratings come with age limits; children who are under the age of 17 must be accompanied by an adult at R-rated movies. TV SHOWS: Due to laws that limit inappropriate content on public airwaves, TV rating systems follow unique codes. In the U.S., shows that are rated as TV-14 (content that is suitable for those ages 14 and older) can only air after 5 p.m. Meanwhile, TV-MA (content that is appropriate for mature audiences) can only air between 10 p.m. and 6 a.m. Most shows airing between the hours of 6 a.m. and 5 p.m. are rated TV-G or TV-PG. These are similar in content to their movie counterparts. Some television children’s shows will also be rated as TV-Y or TV-Y7, and their only distinction is that TV-Y7 has been deemed appropriate for young children ages 7 and older. TV ratings can also have additional descriptors attached to them to explain what kind of content earned the rating. VIDEO GAMES: There are seven video game ratings: Early Childhood (EC), Everyone (E), Everyone 10+ (E10), Teen (T), Mature (M), Adults Only (AO), or Rating Pending (RP). These ratings provide consumers with more information about content. Again, as the age of the intended user increases, content progresses from allowing mild violence or suggestive content to adult themes. When choosing family entertainment, experts suggest using both the rating and the description of the media to make your decision since the rating system may not fully explain media content. For example, studies have found that a PG-13 movie can sometimes have just as much violence as an R-rated movie. Additionally, you may be fine with the content in a T-rated video game for a more developmentally advanced 11-year-old. Once you get past all the combinations of numbers and letters, you as a parent might find that ratings for video games, movies, and TV shows provide helpful information. Couple the ratings with your own research and your own values, and put an end to worrying about what surprises may lurk in your children’s media.

SHHHHHHH! It’s National Library Workers Day!

Whether you have a card or not, libraries are an important part of our community. They serve as meeting places, research stations, employment centers, and local historical archives. They help kids and adults alike explore vast literary worlds and immense >Page 1 Page 2 Page 3 Page 4

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