Janet Grace Beers Attard

Personal Finance, Retirement, Investing
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“Jan's mission to empower each individual with the Discipline, Clarity and Focus to attain Financial Independence.”
Firm:

J. Oliver Maxwell, LLC

Job Title:

Chief Investment Officer

Biography:

J. Oliver Maxwell, LLC is an Independent, Fee Only, Registered Investment Advisor Firm offering Investment-Financial Planning-Mentoring Consulting service to empower each individual with tools to achieve Financial Independence, build a financial portfolio spanning generations via Discipline, Clarity and Focus .

Jan began her career at UBS in San Francisco, California as Vice President, Wealth Management and Estate Planning Services.  Jan served as Executive Vice President and Portfolio Manager at RoundHill Securities, Alamo, California.  Jan worked to create J. Oliver Maxwell, LLC in Northern California where she acts as financial mentor, coach and personal financial empowerment advisor to assist others to reach financial independence. Jan focuses on clients goals and aspirations,  personalizing each portfolio to the individual needs of each client, family, estate, small business, winery and corporation. 

Jan cares most about empowering, teaching, mentoring, building knowledge and awareness about the financial markets. Jan advocates individuals young and old reading autobiographies of great investors, studying great companies to enable each investor to continually learning and growing via a process of long term growth of wealth and long term mental awareness of the importance of long term frugality.  Jan sees herself as part of a team of individuals who mentor financial independence. Jan authored "Tunnel Vision, a focused life" . It is within this book Jan speaks of her journey to attaining financial independence featured on Amazon.com.  The book changes the way you will think about money to assist you to gain clarity in a material world to master financial goals and ambitions. The book is a gift and a guide for all those who work with Jan to create their financial pathway.

Jan received her Bachelor of Science from Georgetown University in 1978,  M.B.A. from Ashford University in 2010, CMT Certification at Golden Gate University, San Francisco 2001. Jan received Series 7, 63, 65 and diverse Insurance licenses while acting as a Broker at UBS Paine Webber, San Francisco.

Jan gives back to the community daily. Jan's number one asset is her ability to care about others as individuals empowering each clients mentoring discipline to achieve long term money management.  

Jan is a Docent at the Blackhawk Auto Museum, Wheelchair Museum and CASA organization.  

Jan will keep you informed, empowered and engaged about the process of  investing..

Jan will inspire change, motivate and instill total confidence with her Joie de Vivre.

Allow your future to be clear- allow yourself to become financially independent.

We look forward to assisting you.

Jan

Jan Attard, MBA, Registered Investment Advisor

J. Oliver Maxwell

www.jolivermaxwell.com

tele. # 925-876-1377

 

Offer:

We offer a complementary  copy of Jan's book "Tunnel Vision, a Focused Life".   We congratulate you for making a decision to create a financial plan and opening an investment account. The book "Tunnel Vision, a focused life" speaks to the importance of visualization, directing one's passions, goals, and money to long term wealth accumulation and financial success.  .We challenge and inspire you  now to have the  focus and clarity and commitment to create a master plan and manage  your money moving forward to build financial independence..

"WHAT YOU CHOOSE TO FOCUS ON BECOMES YOUR REALITY"

Education:

MBA, Ashford University
CMT, Golden Gate University
Series 7, Series 63, Series 65, NASD
#01182973, Realtor, J. Rockcliff Realty

Fee Structure:

Fixed
Author: Tunnel Vision, a focused life (Empower Your Money)

CRD Number:

155656

Insurance License:

#0C94026

Disclaimer:

All written content on this site is for information purposes only. Opinions expressed therein are solely those of Jan Attard, Principal, J. Oliver Maxwell, LLC. Material presented is believed to be from reliable resources and we make no representations as to its accuracy or completeness. Fee only financial planning and investment advisory services are offered through J. Oliver Maxwell, LLC, a registered investment advisory firm in the state of California. Investing money in the equity and bond markets, mutual funds and ETFs may involve risk resulting in loss of capital.  Past performance is no guarantee of future results.  Each investor should be diligent to research any investment to make sure it is suitable with investment objectives, risk tolerance, risk profile, liquidity considerations, tax situation, and any other feature pertinent to your financial situation. The presence of this web site or any information presented on the internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of California or where otherwise legally permitted. We are legally empowered to provide investment advisory services to residents of California.


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    Banking, Financial Planning, Retirement, ETFs, IRAs
Where should I put my savings to accrue the most interest?
100% of people found this answer helpful

Dear should I put $10,000 in CDs and the remaining $6,000 in a money market account?

Or should I be doing something else completely, like putting the $10,000 in an ETF?
 

Congratulations to you for paying off student loans! Congratulations for opening an IRA and a 401k account.

You have set the stage for a fine financial future by opening an IRA and a 401K account at your place of work. You express concern your savings account of $16,000 ia not accruing interest, and you would like to see your accounts yeild better returns.

A LIFE OF INVESTING

Whatever investment funds you create; long term funds with value and growth strategies or short term strategies with individual stock selections, a mindset of saving is key toward the attainment of financial independence. CD or Money Market accounts for a 26 year old are safe but will not yield returns you demand.

Your course of action at 26 years old is to start now, by carefully and cautiously choose a seasoned financial mentor, dare to seek knowledge, to plan, to read, learn and patiently construct a wealth plan of action which involves focus, commitment and dedication over time to the very best and most promising funds and individual stock selections. You must be comfortable with the plan. You must personally know and acknowledge the plan and not leave the plan to someone else. Because you are 26, time is on your side. Today, $10,000 invested in a high yielding ETF, Index and or Mutual Fund compound over thirty to fourty years will get you higher interest rate accrual than you would yield in a CD account by far. For an Index Account or ETF based on the S&P Sector the average annualized return over a ten year period is approximately 10% annualized. For a CD account or money market account far less. This is your choice.

Remember, this plan is fixed over time. You are blessed with lots of time on your side so do your home work and invest for yield. You may see market fluxuations over time but remember that all good stocks fluxuate, a natural phenomenon. 

With what you have shared thus far, you have what it takes to reach financial indenpendence. Best of Luck.

BE FINANCIALLY SAFE FOR EMERGENCIES

Before you max out a strategy to become financially independent and save utilizing the IRA and the 401K accounts there are manditory steps to be taken to get you mentally, educationally and responsibly ready.

Develope a financial conscious mindset. Develop this mind set and be sturdy and firm in this quest.

An emergency fund will save you in case of emergencies; events unexpected, necessary and urgent expenses though events that must be planned for regardless. Differentiate this fund from any and all cost of living expenses. An emergency fund is separate from a source of money to save for a home, money for school, money for food and clothing. Such money must be allocated for emergencies only; things that happen in life, not expected but they happen unfortunately; sudden loss of income, sudden illness, something you must do for a family member or friend, a tragedy or disaster does happen. Unfortunate, No one else is going to plan for your emergencies but you. 

26 is wonderfully young!, this is the perfect time to plan, save and pattern behavior. Formulate a mindset today, think about saving, investing, budgeting, emergency planning and long term budgeting which will include an emergency fund (inquisitive & focused mindset required). Force yourself now to visualize the long term. Start now to compete with yourself to create an expectation long term.

Make your Financial Plan visual. Write your plan on paper.  Dedicate yourself to amass a one year safety net of funds. This long term process will result in a design involving trust to create a purpose of financial security about money and what it is worth long term for your future.

Dedicate yourself to have conversation(s), gain understanding of a strategy to save long term for emergencies. This mind set of mental strength should be strengthened now and ongoing into the future. Learn the financial mindsets of those you share time with make certain you collaborate with like minded individuals so that your plan is strengthened and the focus maintained. A financially fit lifestyle will make a difference in your lifestyle.

SECURE AN EMERGENCY FUND

An emergency fund must be safe and secure. Emergency money is not to be utilized whimsically, not "easily accessible". Safety and security is key.  Place funds in an account not utilzed by you on a regular basis. If and when the time comes you marry, you must share immense trust, total belief and an oath of confidence to keep monies safe no matter what purchase either one of you "has to have". This oath is key for marital success.

A firm money mindset with a goal for financial independence and a desire for long term security in case of emergencies, key to success.  Communication about funding emergencies, consistent discussions regarding your plans for Financial Independence and funding for emergencies must start now and continue through life.  The Quantity of funds in an Emergency Fund should be equal to one year income. The amount of funds can vary however it is always best to have in reality more than less money available to you. Place funds in a simple checking or money market account.  Money in either of these types of accounts will be free to remove funds quickly and easily versus accounts incurring a tax consequence if withdrawn early. 

A first creative strategy to form an emergency fund is to be creative; develop strategies to form an emergency investment fund to include ways for you to work on projects, tasks you otherwise would have farmed out to other people. Sample tasks (cleaning house or washing cars) save money allowing the emergency fund to grow. 

A second creative strategy is to perform side hustles (Uber, dog walking, caring for children, a barista at Starbucks). Opportunities are out there, pick a passion, make money, translate into a stream of income or an entrepreneurial ability you did not think possible. Make it fun, entrepreneurial, present tense!

A third strategy is to sell things clutter in your life. Be free from encumbrances. Make a strategy, a game. 

See what you can do to rid yourself of clothes, books, belongings, make this an adventure. With the removal of items that were taking up space in your precious life comes time to think of other ways to be creative.

A forth strategy is budget, budget and budget. Youth are forming FI groups (Financial Independence). They are collectively and individually becoming frugal, more aware, vowing to get rid of debt, live simply, on a crusade to become free from expenses, free from debt. This takes discipline, mind control. In the end, great values about money are established, a life of freedom and control, a life knowing you have your emergencies covered.

PEACE OF MIND

Whatever strategy you take, the process of frugality and long term money management and control though difficult will assist you to gain greater peace of mind with each and every amount of money you are able to put away.

I stopped Starbucks and an expensive health club membership. I thought I needed both of these things, I was initially crushed to get rid of the expense. Now, after months, I do not miss these things. I replaced spending "habits" with an ability to save $1000 or more each and every month to put to savings. My partner's desire to save and not spend was actually what I needed. I wish we had spoken about money openly.  Be open to change, be open to talk about money!

Plan your long term strategy, form your emergency fund. Take baby steps, reward yourself! 

All the best to you,

 

Jan Attard, MBA, RIA

J. Oliver Maxwell, LLC

www.jolivermaxwell.com

925-876-1377

janattard1@gmail.com

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