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Articles


Mainstreet.com, June, 2015 Kimberly Foss, CFP, president of Empyrion Wealth Management, shares her advice on how to catch up retirement savings in your 30’s and beyond.

ConsumerReports.org, Mar, 2015 Tobie Stanger calls on Kimberly Foss, CFP, president of Empyrion Wealth Management, for her insight on IRA and 401(k) changes. Foss notes that inherited IRAs are no longer protected from creditors and bankruptcy cases.

usatoday.com, Sept. 24, 2014
Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in USAtoday.com article to discuss tips for retirement. Kimberly says to make sure you plan retirement with possible unexpected realities, such as unemployment.

http://learnvest.com, Mar 2014
Kimberly Foss is quoted in the article “5 Ways to Retrain Your Brain to Save More for Retirement” Kimberly offers her suggestions on how to obtain your retirement goal.
Http://usatoday.com, May 2014
Kimberly is featured in interest.com “We need to save more when times are good” by Craig Guillot. Kimberly said that everyone should at least put away 10% of earnings in savings each year.
www.nextavenue.org, Oct 2013 
Kerry Hannon quotes Kimberly Foss, CFP, President of Empyrion Wealth Management in her article “A New Approach to Owning Stocks in Retirement.”
www.fa-mag, Aug 2013Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in fa-mag.com by Karen Demasters in the article titled  “Earn Income, Lose Social Security Benefits.”  She states that all  financial advisors need to know the issues involved with Social Security and make sure their clients do not get surprised when Social Security withholds benefits because they are working.
Sacramento Bee, July 24,2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses the implications of withdrawing money from your retirement plan.
Sacramento Bee, July 16, 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses insuring an IRA in the Sacramento Bee’s “Ask the Experts” column. Foss addresses a reader’s question on whether or not their funds are properly insured, highlighting that the Securities Investor Protection Corporation typically covers investors’ assets.
Sacramento Bee, May 13, 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, weighs in on ways to invest an annual IRA withdrawal in the Sacramento Bee’s “Ask the Experts” column. Foss notes that there are several options for a retiree to invest funds from an IRA, suggesting a short- term, high quality bond fund for a low-risk investment, or something similar to a public utility fund for a higher-risk investment.
Women Advisor’s Forum, July, 2013
This article sheds light on many things to consider when taking Social Security and provides guidance on how to maximize Social Security Benefits.

Articles

 


Bankrate.com, Feb. 9, 2015 Kimberly is featured in this article “Celebrity Divorce Lessons” where she advises on prenuptial agreements in divorce planning.

Http://dailyworth.com, Apr 2014,  Kimberly is featured in dailyworth.com where she offers advice on how to create a recession proof life.

http://womenadvisorforum.com/, Jan 2014 Kimberly Foss’s recent blog “Alleviating Women’s Investment Worries: Three Questions to Ask Your Clients” addresses investment concerns women commonly have and what she does to alleviate them.

http://www.reuters.com/, Jan 2014 Kimberly Foss is quoted in Deborah Cohen’s article “YOUR PRACTICE-Financial advisers changing approaches for women.” Kimberly says many female clients – especially those newly widowed or divorced – rely on her to fill in the gaps in basic financial education.

www.womenadvisorforum.com, Oct 2013 

A featured columnist on Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses how to help female clients prepare for encore careers.

www.ibtimes.com, Aug 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

Creditcards.com, Aug, 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in the Creditcard.com “How to pick a socially responsible credit card.”

Sacramento Bee, May 2, 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, answers a reader’s question in the Sacramento Bee’s “Ask the Experts” column. She discusses how credit ratings can impact consumers, and why it is important to maintain a good credit score. Foss points out the importance of understanding your credit score and how it can impact areas of your life, like qualifying for a student loan.

Articles


www.hispanicmpr.com, Dec 2013 Editor and host, Elena Del Valle, talks about Kimberly Foss, CFP, President of Empyrion Wealth Management in her post “Wealth management consultant outlines her approach to financial security.”

Savingadvice.com, Oct 2013 Kimberly Foss, CFP, President of Empyrion Wealth Management discusses ways to build your financial freedom in her article titled “25 Ways to Discover and Reach Your Financial Goals.”

Articles


USNEWS.com, May 2015 Kimberly said couples need to evaluate if they are financially compatible and says that your money personalities may be different in the article by Geoff Williams “What to Consider Before Tying the Knot a Second – or Third – Time.”

Wall Street Journal, Mar 2015 Kimberly Foss encourages her clients to have a year’s worth of living expenses set aside in the Wall Street Journal article “Helping Wealthy, Out-of-Work Clients.”

CNBC.com, Oct. 27, 2014 Ilana Polyak turns to Kimberly Foss, CFP, president of Empyrion Wealth Management, for insight for this CNBC.com piece offering advice for encore careers. Foss shares her experience helping her clients plan for new careers later in life.

Http://fa-mag.com, August 2014,  Kimberly is featured in fa-mag.com (Financial Advisors Magazine) “Forced To Quit Work Early, Clients Turn To Advisors For Help” By Karen Demasters.

www.womensforum.org, Dec 2013 Womens Forum Tips: Tips on Navigating Clients Through an Encore Career.

www.womenadvisorforum.com, Oct 2013 A featured columnist on Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, discusses how to help female clients prepare for encore careers.

www.mainst.com, Sept 2013 Kimberly Foss is quoted in “What’s Eating Single Parents Today” by Juliette Fairley. Kimberly offers advice on how to deal with stress that single parents experience today with expenses regarding thier children.

www.fa-mag, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in fa-mag.com by Karen Demasters in the article titled “Earn Income, Lose Social Security Benefits.” She states that all financial advisors need to know the issues involved with Social Security and make sure their clients do not get surprised when Social Security withholds benefits because they are working.

www.ibtimes.com, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

Creditcards.com, Aug, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in the Creditcard.com “How to pick a socially responsible credit card.”

Sacramento Bee, May 2, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, answers a reader’s question in the Sacramento Bee’s “Ask the Experts” column. She discusses how credit ratings can impact consumers, and why it is important to maintain a good credit score. Foss points out the importance of understanding your credit score and how it can impact areas of your life, like qualifying for a student loan.

Articles

Http://dailyworth.com, June 2014,  Kimberly is featured in dailyworth.com “Parents: You’re Saving for College All Wrong” By Katie Hill.

www.mainst.com, Sept 2013

Kimberly Foss is quoted in “The Secrets of P2P Borrowing” by stating the Peer-to-Peer or P2P  lending fills a big need for college bound kids to obtain funding for their education.

www.mainst.com, Sept 2013

Kerri Fivecoat-Campbell quotes Kimberly Foss in the article “Late Back-to-School Savings Over Labor Day.” Kimberly talks about the cost advantages of using the stores layaway.

www.mainstreet.com, Aug 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, states in MainST article titled “The One Thing Students Must Do Now to Build Future Wealth,” that college students should get in the habit of saving money by investing a minumum of $25.

FoxBusiness.com, June 10, 2013

Emily Driscoll of FoxBusiness.com quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about college graduates and money management. Foss suggests that grads contribute to a savings plan and improve their financial literacy so they can make better decisions with their money. “When you take into consideration the financial turmoil many have faced in recent years and the future of Social Security, it is wise for younger generations to start saving early and thinking about their finances,” she shares.

Women Advisors Forum, June 6, 2013

As a contributor to Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers insight on working with female clients to prepare for health care costs in retirement. Foss offers several strategies to discuss with clients to avoid depleting their retirement funds. She suggests advisors: develop a plan, watch for useful savings innovations, shop around for health care, consider Social Security options, offer a long-term care explanation and promote exercise.

MainStreet.com, June 6, 2013

Howard Rothman of MainStreet.com quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses how parents can help their college grads become self-sufficient. Studies show that a large percentage of parents are providing some type of support for their adult children, often dipping into their own financial savings to do this. “The number of my clients who face this problem is at least 30% higher than it was in 2007, when I first started seeing its impacts,” Foss says.

TheStreet.com, May 24, 2013

Kathryn Tuggle quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article on TheStreet.com that covers seven things that parents and students should do with finances the summer before college. Foss advises creating a budget and setting goals to achieve. “It’s wise for students to simply write down their financial goals,” she says. “Maybe a goal is to secure a part-time job or set aside a certain amount of money each month in savings. Anyone who writes down their goals has a great probability of success.”

Women Advisor’s Forum, July, 2013

Your Female Clients Need Guidance on How to Maximize Social Security Benefits.” This article  sheds light on many things to consider when taking Social Security.

Investor’s Business Daily, May 17, 2013

Paul Katzeff of Investor’s Business Daily quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses the traits a client looks for in their financial advisor. A recent Investor’s Business Daily survey shows that trustworthiness is one of the most important things for investors when choosing an advisor.

Sacramento Bee, May 13, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, weighs in on ways to invest an annual IRA withdrawal in the Sacramento Bee’s “Ask the Experts” column. Foss notes that there are several options for a retiree to invest funds from an IRA, suggesting a short- term, high quality bond fund for a low-risk investment, or something similar to a public utility fund for a higher-risk investment.

U.S. News & World Report, May 6, 2013

Emily Brandon of U.S. News & World Report quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing important deadlines for people planning for retirement. Missing the required minimum distribution or failing to withdraw the correct amount can result in a steep tax penalty, Foss warns. She notes that it is a good idea to deposit money into an IRA by April 15 in order to get a tax deduction on the year before. “You’re helping yourself in the short term, and it’s for your own benefit down the road.”

Sacramento Bee, May 2, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, answers a reader’s question in the Sacramento Bee’s “Ask the Experts” column. She discusses how credit ratings can impact consumers, and why it is important to maintain a good credit score. Foss points out the importance of understanding your credit score and how it can impact areas of your life, like qualifying for a student loan.

Sacramento Bee, May 1, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice on how to reinvest a 401(k) from a previous employer in the Sacramento Bee’s “Ask the Experts” column. Foss weighs in on how to transfer funds from a 401(k) into a financial vehicle that allows the investor to control where the money is allocated, such as opening an IRA and investing in precious metals.

Sacramento Bee, Apr. 24, 2013

In a Sacramento Bee “Ask the Experts” column, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice to a reader who is considering canceling or borrowing from a whole life policy in order to pay off credit card debt. Foss lends insight on the costs that might be incurred, and adds that replacing the whole life policy with term insurance and using the proceeds to pay off credit card debt may be an option to consider.

Women Advisors Forum, Apr. 22, 2013

As a featured contributor to the Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers insight on working with female clients who find themselves suddenly single. She suggests several steps that advisors can take to help their clients make the best financial decisions as they adjust to life changes. She recommends listening to the client’s wants and needs, waiting on major decisions, developing a financial plan and transitioning into long-term planning, among others.

Sacramento Bee, Apr. 19, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice on investing in JP Morgan’s Efficiente 5-Year CD in Sacramento Bee’s “Ask the Experts” column. There are benefits and downsides to the investment, she says. “Pros include principal protection through FDIC, downside protection of the market and upside potential of the market,” Foss counsels, while “cons include liquidity concerns of the secondary market, linked index limited history and CD strategy is subject to currency exchange risk.”

LifeHealthPro, Apr. 15, 2013

Maria Wood of LifeHealthPro quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a piece that discusses why deferred income annuities are a good vehicle for some Baby Boomers to consider investing in. Foss notes that this can be a good option for “tweeners” (Boomers too old to start a new career and too young to retire) if “they don’t have quite enough money for full retirement so they are looking for a way to get a guaranteed income but not take it right now.”

MSN Money, Apr. 10, 2013

Donna Freedman of MSN Money quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about a survey on women’s feelings about finances. One section of the survey points out women’s need to be “significantly more involved in financial planning.” Foss believes that women should not care what others think about their finances. “Being different and making a difference means letting go of needing to be liked and needing to be universally known as ‘a nice person’,” she says. 

Sacramento Bee, Apr. 10, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, lends her insight in the Sacramento Bee column “Ask the Experts.” Foss answers a reader question about whether or not people can contribute to a 401(k) plan from a former employer. While you cannot add money to a past plan, Foss suggests making the maximum contributions to a current 401(k) or IRA. She also discusses sites like Prosper.com where people can invest in loans for businesses and individuals and get a better rate of return than a bank would offer.

Mint.com, Apr. 9, 2013

Craig Guillot quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about the benefits and disadvantages of using a tax return as a forced savings plan. Foss says if you are having a substantial amount taken out of your take-home pay, one disadvantage could be not having enough money and resorting to credit cards. However, this may be an advantage by forcing people to budget their take-home pay better. “For people that can’t discipline themselves to save money throughout the year, this might be a viable way to at least help create an emergency fund or help fund an IRA,” says Foss.

Financial Planning, Apr. 4, 2013

Paula Vasan of Financial Planning quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing how advisors can connect with and expand their female client base. Foss asserts that women need to feel comfortable, and it is the duty of the advisor to walk them through their financial plans to minimize their concerns. “If advisors are forward thinking,” she says, “they’ll learn how to speak clearly with their female clients—and they’ll integrate their next generations.”

Sacramento Bee, Apr. 3, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice to readers in the Sacramento Bee column “Ask the Experts.” Foss discusses classes that people can take to learn more about personal finance. There are many local resources through community colleges, and countless more online, she says.

The Wall Street Journal, Mar. 31, 2013

Lindsay Gellman of The Wall Street Journal quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing the financial benefits of college students moving home after graduation. Foss advises recent graduates to get control over their expenses, and then to begin saving as much money as possible. Save short-term by building an emergency savings fund as well as in the long-run by starting a retirement savings plan, she says.

Sacramento Bee, Mar. 29, 2013

In Sacramento Bee’s “Ask the Experts” column, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice on converting term life insurance to whole life insurance. “Some insurance agents believe life insurance is an excellent investment; however, actual policy performance often proves this false,” Foss notes.

TheStreet.com, Mar. 28, 2013

Brian O’Connell quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about “spring cleaning” tips for your finances. Foss suggests revisiting old banking and credit card strategies. “Also revisit your retirement accounts — make sure to rebalance your portfolio and update beneficiaries,” she adds.

Private Opportunities Club, Mar. 26, 2013

Forrest Jones of Private Opportunities Club quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article that discusses how people can “invest like the wealthy.” Foss advises emulating the wealthy to a certain degree, but reminds investors to keep their risk tolerance in mind, as many of the most affluent investors remained in the stock market at even its lowest points. “To some degree, I believe everybody should have money in the stock market for the long term,” she says.

Investor’s Business Daily, Mar. 22, 2013

Amy Reeves of Investor’s Business Daily features insight from Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about incorporating health care costs into your retirement savings. Many pre-retirees and retirees underestimate the out-of-pocket cost of health care later in life. Foss asserts that it can be difficult to advise clients to buy long-term care insurance, “since premiums have increased so much and people may never use it.”

Articles


US News Money, Dec 23, 2014 Kimberly is quote in in US News Money in article “Tax Changes Coming in 2015.”


Allybank, Nov 20, 2014 Kimberly Foss, CFP, president of Empyrion Wealth Management, in this feature blog article by Donna Freedman “Want To Live Longer? Give Some Money Away.”

Http://investors.com, June 2014,  Kimberly is featured in investors.com “Eight Tips For Controlling Your Wedding Costs” By Paul Katzeff, INVESTOR’S BUSINESS DAILY.

Http://usatoday.com, May 2014,  Kimberly is featured in interest.com “We need to save more when times are good” by Craig Guillot. Kimberly said that everyone should at least put away 10% of earnings in savings each year.

www.marketwatch.com, Jan 2014 Kimberly Foss is quoted in Catey Hill’s article “How to be smarter about money in 2014
Tips for actually keeping your financial New Year’s resolutions.” Kimberly believes that setting up a recurring time to review your goal progress is key one key to obtaining goals.

www.moneytalksnews.com, Jan 2014    Kimberly Foss offers suggestions on reducing credit card debt in Donna Freedman’s article titled “Resolutions 2014: Kill Your Debt and Then Write Its Obituary.”

www.dailyworth.com, Jan 2014    Kimberly Foss offers tips on how to save 10% of your earnings in Cynthia Ramnarace’s article titled “Double Your Savings This Year — Really.”

Savingadvice.com, Oct 2013 Kimberly Foss, CFP, President of Empyrion Wealth Management discusses ways to build your financial freedom in her article titled “25 Ways to Discover and Reach Your Financial Goals.”

www.mainst.com, Oct 2013 Howard Rothman quotes Kimberly Foss, CFP, president of Empyrion Welath Management, in a MainStreet.com article titled “Peer-to-Peer Lending As an Investor” which discusses the new peer to peer lending investments.   Foss states that this is the epitome of the free market.

www.womenadvisorforum.com, Sept 2013Kimberly writes about the role bonds play in your investment portfolio in her blog titled “How Can We Discuss the Bond Bubble with Clients?.”

DailyFinance, July 29, 2013 Michele Lerner quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a DailyFinance article about budgeting for a 20 percent pay cut. Foss offers advice on ways that people can cut costs in their current expenses, from saving on a phone plan by choosing a less expensive option to saving on medical expenses “by switching to a high-deductible health insurance plan.”

Sacramento Bee, June 25, 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, offers advice to readers in Sacramento Bee’s “Ask the Experts” column. Regarding retirement funds, Foss points out that funds from a 401(k) plan can be directly transferred into an IRA account. With many investment options to choose from— mutual fund companies and brokerage accounts being two popular choices—Foss advises investors to seek the guidance of a financial advisor when managing their portfolios.

Women Advisors Forum, June 6, 2013 As a contributor to Women Advisors Forum, Kimberly Foss, CFP, president of Empyrion Wealth Management, offers insight on working with female clients to prepare for health care costs in retirement. Foss offers several strategies to discuss with clients to avoid depleting their retirement funds. She suggests advisors: develop a plan, watch for useful savings innovations, shop around for health care, consider Social Security options, offer a long-term care explanation and promote exercise.


Women Advisor’s Forum, July, 2013 Your Female Clients Need Guidance on How to Maximize Social Security Benefits.” This article sheds light on many things to consider when taking Social Security.

Articles

Http://mainstreet.com, May 2014,  Kimberly is featured in mainstreet.com “The Spend-Trend Economy Is Beginning to Gain Momentum.”

Http://dailyworth.com, Apr 2014,  Kimberly is featured in dailyworth.com where she offers advice on how to create a recession proof life.

http://wsj.com, Apr 2014 Kimberly Foss is featured in the Wall Street Journal column
Voices: Kimberly Foss, on Preparing for an Inevitable Market Downturn

www.mainstreet.com, Jan 2014 Kimberly Foss is quoted in Juliette Fairley’s article “Dividend Yielding Stock Sectors Include These Countries Abroad.”

www.mainst.com, Sept 2013 Kimberly Foss is quoted in “What’s Eating Single Parents Today” by Juliette Fairley. Kimberly offers advice on how to deal with stress that single parents experience today with expenses regarding thier children.

www.mainst.com, Sept 2013 Kimberly Foss is quoted in “What’s Eating Single Parents Today” by Juliette Fairley. Kimberly offers advice on how to deal with stress that single parents experience today with expenses regarding thier children.

www.bliefnet.com, Sept 2013 Kimberly Foss, author of “Wealthy by Design,” is quoted in “Hope, Greed, Fear and Your Finances” stating that hope, greed and fear are all elements of too many financial programs. However, it need not be so. “Becoming wealthy by design,” she says, “involves making wise money choices and adhering to five fundamental principles of investing – goal setting, planning, commitment, assessment and flexibility.”

www.mainst.com, Sept 2013 Kimberly Foss is quoted in “The Secrets of P2P Borrowing” by stating the Peer-to-Peer or P2P lending fills a big need for college bound kids to obtain funding for their education.

www.mainst.com, Sept 2013 Kerri Fivecoat-Campbell quotes Kimberly Foss in the article “Late Back-to-School Savings Over Labor Day.” Kimberly talks about the cost advantages of using the stores layaway.

www.ibtimes.com, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

www.ibtimes.com, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

www.fa-mag, Aug 2013 Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in fa-mag.com by Karen Demasters in the article titled “Earn Income, Lose Social Security Benefits.” She states that all financial advisors need to know the issues involved with Social Security and make sure their clients do not get surprised when Social Security withholds benefits because they are working.

www.mainstreet.com, Aug 2013 Juliette Fairley quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a MainStreet.com article that discusses what students should do now to build future wealth. Foss points out that it is important to establish a foundation for wealth to grow, suggesting that college students get in the habit of saving money by investing a minimum of $25. “Pulling together a minimum investment of $1,000 can be a challenge but there are alternatives,” Foss adds.

The Wall Street Journal Video Network, Aug. 13, 2013

Kimberly Foss, CFP, president of Empyrion Wealth Management, sits down with Veronica Dagher of The Wall Street Journal to discuss ways that people can set and achieve financial goals. Foss asserts that advisors can help their clients reach these goals by following four steps: identifying needs; determining financial desires; establishing the use of financial assets in the future; and assessing, reviewing and revising the goals.

Private Opportunities Club, Aug. 12, 2013

Forrest Jones of Private Opportunities Club quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article about choosing alternative investments in today’s market environment. Foss says REITs should be included in portfolios, either physical holdings or investments in REITs. “Physical real estate is always best, but if you can’t do that or don’t want to do that, REITs are great substitutes,” she says.

Articles


USNEWS.com, May 2015 Kimberly said couples need to evaluate if they are financially compatible and says that your money personalities may be different in the article by Geoff Williams “What to Consider Before Tying the Knot a Second – or Third – Time.”

LearnVest.com, Feb, 2015 Kimberly is featured in this article “Your Medical Debt Rx: 7 Ways to Manage High Medical Bills” where she gives valuable tips on ways to manage and reduce medical bills.

Style.com, Jan 28, 2015 Kimberly is featured in this article “Worth the Wad” where she gives valuable tips on when to spend more money.

Comstocksmag.com, Dec 30, 2014 Kimberly is featured in this post “Friends with Benefits, Peer-to-peer loan websites easily connect borrower to cash — but will they last?”

www.moneytalksnews.com, Jan 2014    Kimberly Foss offers suggestions on reducing credit card debt in Donna Freedman’s article titled “Resolutions 2014: Kill Your Debt and Then Write Its Obituary.”

www.FOXBusiness.com, Dec 2013    Donna Fuscaldo, talks about ringing in the New Year with financial resolutions.   Kimberly Foss, CFP, President of Empyrion Wealth Management is quoted on her advice to set realistic and quantitative goals.”

www.marketwatch.com, Dec 2013 Catey Hill quotes Kimberly Foss, CFP, President of Empyrion Wealth Management in the article “This is the bill most Americans pay first.” Read this interesting article to find out what American’s pay first and why according to Kimberly.

www.depositaccounts.com, Nov 2013 Is Your Adult Child in Financial Trouble by Sheryl Nance-Nash quotes Kimberly Foss, CFP, President of Empyrion Wealth Management.

CreditCardGuide.com, Oct. 24, 2013Rachel Hartman quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in an article discussing when consumers should not cancel a credit card. Foss weighs in with tips for people who might be carrying a lot of debt on other cards.

DailyWorth.com, Sept. 27, 2013 
Nancy Mann Jackson quotes Kimberly Foss, CFP, president of Empyrion Wealth Management, in a DailyWorth.com article discussing several common myths about credit scores. Foss explains the truths regarding these misconceptions and offers insight on factors impacting a person’s credit score.

www.ibtimes.com, Aug 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in ibtimes.com “Credit Card Debt In U.S.: Falling, But Still Very High.” She cautions that, in the event of millions of Americans defaulting on their credit card payments, that it could potentially have a devastating impact on the broader economy – as witnessed when the real estate bubble crashed last decade.

Creditcards.com, Aug, 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, is quoted in the Creditcard.com “How to pick a socially responsible credit card.”

Sacramento Bee, May 2, 2013
Kimberly Foss, CFP, president of Empyrion Wealth Management, answers a reader’s question in the Sacramento Bee’s “Ask the Experts” column. She discusses how credit ratings can impact consumers, and why it is important to maintain a good credit score. Foss points out the importance of understanding your credit score and how it can impact areas of your life, like qualifying for a student loan.

Topics

> Debt, Credit & Budgeting > Economy & Global Markets > Education, 529's & Gen X&Y > Estate and Elder Care > Healthcare > Finances and Investing > Retirement > Taxes and More > Tweeners, 45-60 Year Olds Articles Radio Appearances Wealthy by Design Helpful Links

A 5-STEP PLAN FOR FINANCIAL SECURITY

Kimberly Foss:  “You will achieve wealth, but not as the result of random events, lucky breaks, or ‘timing the market.’ Instead, you will become wealthy by design.”

I outline the following five-step plan to strategically achieve financial independence in my new book, Wealthy By Design.

Step 1: Discovering And Setting Your Goals

Identify your needs – family obligations, debt, and lifestyle requirements. Connect with your desires – know the difference between a need and a desire. Know where you want to go – relate your life goals to short-, mid-, and long-term financial goals. Evaluate when it is time to review or revise your investment goals.

Step 2: Planning Your Investments

Learn the fundamentals of investing. Examine your current asset allocation. Explore how to diversify your portfolio. Do not try to time the markets. Come to grips with the level of risk that you can tolerate.

Step 3: Committing To Your Plan

Enact a plan. Commit to it. Identify the challenges to your commitment.

Step 4: Assessing How Well Your Plan Is Working

Identify which indicators to look at to determine how well your plan is working. Reassess if your asset allocation is properly balanced.

Step 5: Keeping Your Plan Flexible

Keep up with a changing market. Know when to take action. Know when to expand on your investment.

I cannot stress enough the benefits of a well-conceived and disciplined strategy. Some people have the idea that such a focused design is restricting or that it causes you to miss opportunities that less-structured investors might capture. But it really works in the opposite way when you are following a plan; you aren’t being distracted by the ‘noise’ that so easily sidetracks other investors. That means you can actually pay closer attention to the real opportunities – the ones supported by careful research and sound investment principles.

Disciplined investors stay invested, stay the course, and reap the benefits; undisciplined investors jump in and out of investments in a vain attempt to capture the latest hot stock or value play, and they invariably achieve inferior returns. The research backs this up, time and time again. That’s why I tell my clients: ‘Stay diversified, and stay the course.’

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