Mattson Financial Services - August 2020

Mattson Financial Services - August 2020

F I N A N C I A L S E R V I C E S , L L C

616-514-3831

www.MattsonFinancial.com

AUGUST 2020

NOWWHERE DO WE GO?

We’re all committed to every client portfolio. We continue to conduct reviews, make changes, or reallocate based on what each client needs as market conditions fluctuate. And, on that note, I can tell you with 100% certainty that market fluctuations and volatility are here to stay. I still believe the U.S. markets are the strongest in the world. No matter what comes our way, we’ll be ready to take it on. With that said, in the coming weeks, you’ll be formally introduced to our new platform: eMoney. It’s a tool that gives you even more control over your future and your family’s future, especially when it comes to your finances. As you may know, eMoney is a long time coming. It allows you to see your entire financial picture in a timely manner — no matter where you are in the world!

You might be like my wife, Nancy, and me: You planned a dream trip, then COVID-19 took it away. As a result, you may have found more time to do things around the home, like starting that garden, painting that room, or cleaning the garage. You may have finally got that honey-do list done! Of course, this year has been full of things many of us hadn’t planned for. Just like 9/11, our world has changed. Remember how not long after 9/11, just a single person hid bomb material in their shoes and now, nearly 20 years later, almost everyone has to take their shoes off before boarding a plane? We’ll be seeing changes much like that for years to come.

In the wake of the pandemic, what does this mean for your future and the future of your family? What does it mean in terms of your safety? These days, the slogan “Make America Great Again” has taken on a new meaning. We’ve seen the economic damage from the second quarter. As a nation, we learned that we can never close everything again. Many people are asking, “What’s next?” As I drive around my community, city, and state, I see the toll this crisis has had. But, whenever possible, and through my mask, I try to say hello to every person I encounter. We can’t lose sight of

You can jet down to Belize, kick back on the beach, and, when you find that perfect condo, just log in to eMoney and put in the numbers. We’ll be able to put together a computer model to show you all the information you could possibly need or want as it relates to that purchase. You’ll be able to make an informed decision like never before. When you get your eMoney email, we invite you to log in and take a look. We can show you how to see and control an incredible amount

of information right at your fingertips. At the same time, we’ll be able to make sure your assets are allowing you to maintain a stress-free retirement, not just today and not just tomorrow, but through the rest of your life. We feel so blessed to have each of you as a client. As Michigan and the United States open back up, we look forward to once again hosting events and spending more time with you. And you can be sure we’ll be hosting the new“James Bond”movie at one of our client events later this year! In the meantime, be sure to check out our updated website. Take a tour and see all the new information we’ve added. Talk to you again when school is in session!

what really matters. The pandemic made us take a hard look at our own homes and families. It’s reminded us just how blessed we are that we have a home to go to and a family to be with us. We’re also blessed at the office. Before the pandemic hit, we were planning on increasing our processing personnel. As we saw what was on the horizon, we accelerated that plan and brought our new team members on in March, increasing our staff by 100%. We were fortunate that we were able to find good candidates to fill those roles. The pandemic threatened to pose a serious challenge to our ability to react in a timely fashion for our clients. I want to extend a thank-you to our processing team for putting in those long hours — sometimes 14–16 hours a day for several days straight — to ensure our clients were taken care of.

–Gary Mattson

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All About Collagen

THE PROTEIN THAT HOLDS US TOGETHER

E ven if you have heard of collagen, chances are you don’t know much about what it does for the human body. Collagen makes up a third of the body’s proteins. In some ways, it is the glue that holds our bodies together (the first part of “collagen” comes from the Greek word “ kolla ,” meaning “glue”). Getting your body to produce more collagen can have amazing health benefits, particularly for those who are aging and noticing more wrinkles. There are around 16 types of collagen proteins in the body, but type 1 collagen makes up roughly 90% of a person’s collagen count. Type 1 collagen gives structure to our tendons, bones, connective tissues, and skin. When we’re younger, our bodies produce enough collagen to keep our skin tight and strong.

However, as we age, our bodies naturally produce less collagen, which contributes to thinner skin and wrinkles.

Fortunately, there are certain foods and nutrients you can consume to boost your collagen production and keep your skin smoother and stronger for longer. Collagen begins in the body as procollagen, which is created when two amino acids, glycine and proline, combine. Vitamin C aids this process, so any foods with high concentrations of these nutrients help your body produce more collagen. Egg whites are a great source of proline, along with foods like asparagus, cabbage, and dairy products. Additionally, pork skin, chicken skin, and gelatin all have high levels of glycine. If you want to get your vitamin C levels up, citrus fruits, bell peppers, and strawberries are tasty choices. Watch out for foods and habits that can damage your

MANAGE CASH FLOWWITH ‘PROFIT FIRST’

Mike Michalowicz Shares What You Need to Know

season. Michalowicz’s insight is even more valuable in the wake of the COVID-19 pandemic, as business owners and entrepreneurs everywhere look to get back on track in the second half of 2020, boost their businesses, and recover lost profits.

Running the day-to-day operations of a business while also managing the money can be difficult to juggle for many small-business owners. Even if they have systems and processes in place, these methods don’t always work as well as they should and can easily become difficult to navigate. When you hit this kind of wall, it can be hard to keep your focus on growing a profitable business. Enter Mike Michalowicz and his book “Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine.” The book was published in 2014 but was updated in 2017. It’s been a huge hit, garnering rave reviews from the business world due to its simple yet innovative profit-first formula. The book has been so successful because Michalowicz has faced these types of challenges before, and he used these experiences to develop principles that make life (and business) that much easier for small-business owners. You’ll get the scoop on Michalowicz’s profit-centered approach and how his innovative system flips traditional accounting on its head, making money management more streamlined. If you find yourself struggling to manage the financial side of your business, then he has you covered. His tips are especially useful for businesses that have cash flow that varies from month to month or that have a peak

If you’re a seasoned business owner and are already money-minded and exceptionally organized, this book will likely serve as a quick refresher, but if you’re

a startup business owner and want to improve your accounting systems and catapult your profits, then “Profit First” is just what you need.

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Upcoming Events

Smart Women, Smart Retirement Webinar

Aug. 20 at 11:30 a.m. EST Live via Zoom

Join the father-daughter team, Gary Mattson and Laurel Steward during this LIVE interactive webinar as they discuss the unique financial concerns women face. To register, call 616-514-3831 or visit us online at MattsonFinancial.com/events

collagen production, like eating lots of refined sugar, exposing your skin to too much sunshine, and smoking.

By adopting habits and diets that enhance collagen production, you can keep yourself looking younger and feeling better, even as you get older.

To stay in touch with our upcoming events, follow our Facebook page and YouTube channel and visit MattsonFinancial.com/events.

PEACH AND ARUGULA PASTA SALAD Mary’s

TAKE A BREAK!

Inspired by AmbitiousKitchen.com

Ingredients

•

2 large fresh peaches, diced or sliced 1/2 medium red onion, thinly sliced

•

8 oz penne or fusilli pasta

•

2 tbsp olive oil

•

•

1/4 tsp red pepper flakes

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1/2 tsp sea salt

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1 pint heirloom cherry tomatoes, halved

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Pepper, to taste

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2 tbsp lemon juice

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1 cup corn

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3/4 cup crumbled feta cheese

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6 cups arugula, packed

Directions

1. In a large pot of boiling water, cook pasta for approximately 9 minutes or until al dente. Drain pasta and place in a separate bowl. 2. In a small bowl, whisk together olive oil, red pepper flakes, salt, pepper, and lemon juice. Drizzle the dressing over the pasta and toss with the feta cheese. 3. Add peaches, red onions, tomatoes, corn, and arugula to the pasta mixture. Lightly toss to mix well. Add more olive oil, lemon juice, salt, and pepper to taste.

Solution

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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

106.9 FM and 1300 AM Saturdays from 7–8 a.m. Sundays from 11 a.m.—12 p.m.

F I N A N C I A L S E R V I C E S , L L C

3226 28th Street SE Kentwood, MI 49512

INSIDE THIS ISSUE

1 2

Where Do We Go FromHere?

The Protein That Holds Us Together

What Small-Business Owners Can Learn From ‘Profit First’

3

Peach and Arugula Pasta Salad

Mark Your Calendar!

4

Why We Still Need Travel Agencies

**Reminder: If you have any changes to your financial situation, please notify us as soon as possible.

Investment advisory services are offered through Mattson Financial Services, LLC, a Registered Investment Advisor in the state of Michigan. Insurance products and services are offered through Lakeview Financial Group, LLC. Mattson Financial Services, LLC and Lakeview Financial Group, LLC are affiliated companies.

WITHTHE EXPERT ADVICE OF ATRAVEL AGENT Get the Most Out of Your Trip

O nce upon a time, you couldn’t plan a vacation without using a travel agent. They would book your flights and hotels, provide information about local activities, and point you to the best sites to see. But with the advent of the internet, it seemed travel agencies would become obsolete. However, these services are actually far from disappearing: Nearly 20% of travelers still use an agency. Because the COVID-19 pandemic changed the way people travel for the foreseeable future, travel advisors, as they’re now called, are more valuable than ever. They give expert advice. If you want to get the most out of your trip, then you should talk to someone who knows exactly how to give you that. Travel advisors undergo training and gain experience with different policies, customs, and travel regulations to get you where you want to go. They will be your go-to experts for what you should do when you get to your destination, especially if you’re traveling to a foreign country or overseas.

They can lower costs. Enlisting the help of a travel agency isn’t as expensive as the average customer might think. Travel advisors receive a small commission from airlines and hotels when they book

your trip, which allows them to keep your travel costs down. Every agency charges different fees based on the package you purchase, but on average, you can expect to pay around $75 per traveling person for an agent to book your trip. With all the added experiences and deals they can find, this cost easily pays for itself and then some.

They simplify the complicated process. The No. 1 reason people use a travel agency is because planning a trip can be overwhelming. You have to research the location, book flights, plan ground transportation, secure lodging, discover activities, and find restaurants. If you don’t travel often or are going to a destination you’re unfamiliar with, then tackling everything yourself leaves room for mistakes, stress, and disappointment. A travel advisor makes the entire process as simple as possible so you can enjoy your vacation to the fullest.

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