Michele Clark
Clark Hourly Financial Planning - Chesterfield, MO Advisor
17295 Chesterfield Airport Road, Suite 200
Chesterfield, MO 63005 USA
Work 636.375.1813
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Michele Clark in the News: Wall Street Journal Article About Retirement

September 6th, 2013

In the Wall Street Journal article “Five Ways You Can Really Mess Up Your Retirement” Brett Arends discusses some of the biggest mistakes that recent retirees make.

I shared my experience of working with recent retirees who have not ever felt the need to track expenses in the past because their income surpassed their expenses.  However when they retired, they were stunned by how fast they saw their checking account balance go down once they stopped receiving income from their employer which in the past had replenished their accounts on a regular basis.  They then call me for help with retirement cash flow planning.

To read what other advisors and I had to say about errors new retirees make, you can read the article on the Wall Street Journal website.  If you do not have a subscription to the Wall Street Journal website, let me know that you would like to read it, and I would be happy to send you a reprint. Send me an email at: michele@clarkhourlyfinancialplanning.com

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Michele Clark in the News: Wealth Gathering’s Moneymentals Blog

January 7th, 2013

Should you get your investment advice from a couple of plumbers?  I did and it turned into a wonderful career for me.   Those plumbers were my grandpa and my dad.

Learn how I got introduced to investing at a very young age and how it has influenced my thinking about investing ever since by reading “Blogger Interview: Hourly Planner’s Michele Clark” at the Wealth Gathering website.

Michael Goldman at Wealth Gathering asked me some questions about;

  • My professional background and why I didn’t stay in the traditional, commissioned-based brokerage firm environment.  I have worked in a bank, bank brokerage firm, a full commission brokerage firm, and a full service discount brokerage firm.
  • How does my family balance living in the moment vs. saving for the future.  Such a great question, because it is the essence of financial planning.
  • Who is your financial role model.  I could have gone on and on with this one.  I think I will do a future blog post of my own.
  • And do I think everyone is capable of learning enough about personal finance to do it on their own.  This answer may surprise you!

I know Michael through the Garrett Planning Network.  He is like me, in that he owns his own financial planning firm.  In addition he has the Wealth Gathering site which is so unique.  It is designed to offer online tools, coaching, and peer support.  It is structured like a financial fitness program.   As you know, I am a fee-only financial advisor, so I do not receive any compensation from them, and am not affiliated with Wealth Gathering.  If you have a chance to look at the interview, take a look around at the other information on the website.  Especially considering this is the time of year that so many people are tackling financial To Do items.

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Michele Clark in the News: US News and World Report “Your Retirement Benefits”

December 12th, 2012

US News and World Report quoted me in their article “Your Retirement Benefits: What to Expect in 2013” on their website this week.

I shared my thoughts on 401(k) fee disclosures.  401(k) providers are required to disclose the fees for the plan.  All things being equal, if two funds are simlar but one has lower fees than the other, choosing the fund with lower fees will allow the investor to keep more of their money invested for their future.

The article is full of information on a variety of topics.  It covers information about changes to contribution limits, the Roth IRA income limit increase, the saver’s credit, the pension insurance limit for 2013, the increase in Social Security taxes (expiration of the tax cut), and Medicare premiums and coverage.

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Michele Clark in the News: US News and World Report

September 12th, 2012

I was interviewed by US News and World Report recently about 401(k)s.  My thoughts appeared in an article on their website this week entitled “10 Strategies to Maximize Your 401(k) Balance.”

When Emily Brandon from US News and World Report called me I shared with her an idea for making it easier to save more in your 401(k), and we talked a bit about the new fee disclosure rules in 401(k)s and what that means for employees.  We also talked about the importance of adjusting your investment portfolio as you get closer to retirement.

If you would like to read the results of our conversation, and how she interwove it with the conversation she had with two other advisors, you can read the article here: 10 Strategies to Maximize Your 401(k) Balance.

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Michele Clark in the news: Washington Family and Calgary’s Child

February 17th, 2012

As a financial advisor and the mother of two boys, making sure that kids understand real life money concepts is important to me.  Habits around saving, investing, and philanthropy can be established when children are young.  So I was pleased to share some ideas which were highlighted in two magazines recently. I was quoted in the January 2012 issue of Washington Family magazine in the article “Starting a Piggy Bank Teach Savings Early” and in the January/February 2012 issue of Calgary’s Child magazine in the article “Help Your Kids Be Money-Savvy.”

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