Some Thoughts as We End/Begin a Year

For The Church, It’s Advent

Chuck Dudley

Chuck Dudley

Our discussion Sunday in church was about how fast the year had gone and that it was about over. We were then ‘corrected’ in that the church calendar begins anew with the Advent Season. The Alpha and Omega if you will.

As we end this year of 2015 (really…….. 15 years after the Armageddon that was supposed to be Y2K?!), it is my hope that you have prospered and planned properly.

It may be trite to say, but you cannot take 2015 back. If you set your goals, attempted to achieve them and had some success, then heartiest congratulations to you!

If you didn’t do as well as you should have, then it’s time to rededicate yourself to better behavior and planning in 2016.

2015 In Review
We looked at several topics this year, and following is a summary of what was written. Most were just common sense, but many times we need reminding.

  • •Safe Withdrawal Rate 2.0
  • •The Cost of Waiting
  • •The theory of ‘Paychecks and Playchecks’
  • •Starting to think about Social Security
  • •17 Things Mentally Strong People Do
  • •A Study about the book ‘Being Mortal’
  • •Argent Financial Group turns 25!!
  • •How People Fail at Retirement
  • •Lessons from Puerto Rico and Greece
  • •Life Insurance When you Retire
  • •Satisfied Smiles about Retirement

Financial Planning is not for the faint of heart. It means you have to become informed, make hard decisions and dedicate yourself to having the discipline to make it all work somehow.

I recently read an article about how the high school classes of 1967-1969 were treated to some great music. But as the retirement classes of 2014-2016, it’s not as good as the poets of that era might have expected. With a safe retirement withdrawal rate of 1.7% suggested, things aren’t so rosy.

So while you can’t recover what you didn’t do in the past, maybe it’s time to rededicate yourself to your future. That future where people are actually living longer than the folks that created Social Security ever imagined.

What Can You Do?

You already know the answer.

Plan, and execute your plan. Don’t wait until tomorrow, because sometimes tomorrow has its own challenges.

In the November 18 edition of the USA TODAY in the Money section it was written that 61% of older workers indicated they like their job and want to keep on working. 48% said their job makes them feel valuable. That’s a very good thing.

Maybe continued working is part of your strategy, but don’t ignore the financial planning that must be done.


If you really want to make sure you have right ideas for moving forward in a positive manner, we will listen.  We’ve been able to help families and businesses learn to use money wisely, and we’d like to help you too.  We would be honored to visit with you about how to help you and your business.  My number is 501-318-0010, or you can send me an email at

An hour of your time spent analyzing your situation might make a lifetime of difference

Arkansas Insurance Producer # 1005698

That’s all for this month! If you’ve enjoyed what you read, please share Money Matters with a friend, family member or loved one.


Chuck Dudley



Argent Financial Group

Argent Financial Group (Argent) is a leading, independent, fiduciary wealth management firm. Responsible for more than $30 billion in client assets, Argent provides individuals, families, businesses and institutions with a broad range of wealth management services, including trust and estate administration, investment management, ESOPs, retirement plan consulting, funeral and cemetery trusts, charitable organization administration, oil and gas (mineral) management and other unique financial services. Headquartered in Ruston, Louisiana, Argent was formed in 1990 and traces its roots back to 1930.

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