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Can you picture your last day of work? What will you be feeling? What will you be thinking? What will be the look on your face when you leave work for the last time? My dad, John W Heavey, started as a firefighter on Sept 3, 1974 and worked hard for 33 years until he retired at the top of his game as Fire Chief on Sept 3, 2007. The picture above is on his last day as Fire Chief. From delivering babies, cutting people out of crushed cars, pulling people out of houses on fire, providing fire safety instruction to kids in schools, putting on SCUBA gear for water rescues, buying fire trucks and leading teams, he made a big impact! What an awesome career! While he was working, he was also emotionally, vocationally, and after meeting with a financial advisor, financially preparing for retirement. On his last day, he was content, grateful and confident, looking forward to the last day of work and the FIRST DAY of the rest of his life. He is now continuing his impact and legacy while enjoying his 16th year of retirement.

When we meet with clients, we often hear, “Do I have enough? How much should I be saving? Where should I be saving - should I just put my money in a target retirement fund? When can I retire? When should I take Social Security?” When you get to your last day, can you IMAGINE waking up with a grateful, humbly confident smile, knowing that you have worked hard and made a difference, AND are also financially prepared; ready to tackle that next season?

When we guide our clients through the Rose Street Advisors’ 7 Step Financial Life Planning Process, we have heard that they feel more confident, energized about the direction they are headed financially and have more peace, knowing a CLEAR path forward. Our team loves to FIGHT for our clients, developing plans and tax-efficient strategies to maximize every dollar they own. Are you over 50? Are you nearing retirement and would appreciate the confidence that comes from a complimentary review on your current financial life? Our team just kicked off Jan 2023 making a few tweaks to a client’s financial strategy and was grateful to share with the client that the changes would add hundreds of thousands of dollars to their net worth. It would bring us great joy to roll up our sleeves alongside you to develop a plan for the FIRST DAY of the rest of your life.

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #5434779.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans.

Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations.  He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School.  Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching.  Jeremy, his wife Kim and their 4 kids reside in Kalamazoo.  They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family.

Fun fact:  Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

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A few months ago, a client who recently received a fairly unexpected sum of money asked to meet with me for counsel. He expressed that he really wanted to use it to bless his (very young) kids and asked our team for a recommendation on how to allocate the funds. What an honor to be brought into that discussion! Working with the client to understand the details of their financial life and priorities, we put together a comprehensive plan that helped achieve their goals and minimized their tax liability. In addition to the financial strategy, we shared the importance, and a few tips on how to instill this knowledge into their kids. We shared how even at a young age, helping them understand the importance of managing money will equip them with the tools they need to succeed for years to come. He was very appreciative and left the meeting planning on executing the financial and ‘values passing’ strategies. An old, well-known proverb says, “Give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime.” How might this apply to your family? If you have little kids, maybe this starts with introducing them to the ‘save some and spend some’ approach. For school age kids, a benefit could be having their own bank account and learning more about your saving habits. Older kids getting their first jobs might benefit from learning the power of saving 15% of their income for retirement, how you have saved for retirement, and the ins and outs of getting a home loan.” Too often, parents pass their hard earned wealth to the next generation but not the values by which the wealth was earned. In addition to giving your kids gifts this Holiday Season, consider a New Year’s resolution of modeling and teaching financial discipline; giving them a gift that will last FOR THEIR LIFETIME. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #5260906.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans. Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations.  He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School.  Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching.  Jeremy, his wife Kim and their 4 kids reside in Kalamazoo.  They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family. Fun fact:  Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk Proactive HR
Did you know that when you restring a guitar, a best practice is to take it one string at a time in order to keep constant, dynamic tension on the guitar at-all-times? Guitars perform best when each string is carefully tuned, living under constant tension. And the tension is REAL! Over the years of playing the guitar, there have been many times that I have broken a string while playing. When a string breaks, it often emits a loud popping noise and throws the whole guitar out of tune. As soon as the new replacement string is installed and tuned to its right note, it usually takes 2 full tunes of every string on the guitar to get the whole guitar in tune and at peak performance. When we meet with clients, we are often invited into the dynamic tension that exists in their personal financial life - trying to wisely balance spending, saving, investing, and giving. We often hear, “how much should I be spending on… Do I have enough cash reserves saved for my level of income and expenses? How are my investments performing? I love to be generous and give some of my money, but am I giving strategically and taking advantage of tax efficiencies?” Each aspect of our financial life affects the other and the tension isn’t easy to maintain. When one part of our financial life gets out of tune, it can affect the whole. Similar to how each guitar string needs to be tuned, for the guitar to perform at its optimal level, the more finetuned each aspect of our financial life is, the more our entire financial life works in harmony to perform at an optimal level as well. Has it been a while since you have had a financial tune up? Would you benefit from a second opinion on your current investment strategy? Let’s chat. It brings our team great joy to meet with our clients and roll up our sleeves to develop plans that provide clarity and action steps to achieve their goals. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #5072309.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans. Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations.  He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School.  Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching.  Jeremy, his wife Kim and their 4 kids reside in Kalamazoo.  They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family. Fun fact:  Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk Proactive HR
July 27 was just like any other day. I got up, said goodbye to my wife and kids, enjoyed advising clients and went home to my family. We had extended family and friends over and after dinner, I went outside to get the campfire ready for making s’mores. I unloaded firewood off the back of the UTV that was near the firepit. While I bent over to arrange the wood in the firepit, the driver got back in the UTV assuming it was in drive, but it was in reverse. The 1700lb UTV came at me in a hurry, knocked me down, ran over me and I tumbled underneath. It all happened so fast. I was taken to the hospital by ambulance where the trauma team ran a battery of tests and released me saying that while I will be in a decent amount of pain and would be in an arm sling for weeks, most people do not walk away from such accidents. Outside of the permanent bump on the top of my shoulder from my collarbone separating, the doctors believe my body will fully heal. I am back to work feeling stronger and grateful that I have more days to live. While I got up on July 27, I certainly didn’t expect that day to be my last. In his book, The 7 Habits of Highly Effective People, author Stephen Covey is known for teaching us the habit, “Begin with the End in Mind.” What if today was your last day? Do you have a clear, holistic financial plan that would provide for your family? When I engage in financial discussions with clients, I often ask, “what is most important to you? What are your life goals? What would happen IF the unexpected were to occur?” Would you greatly benefit from a comprehensive plan, but haven’t yet take that important step? Let’s chat. It’s never too late to BEGIN; with the End in Mind. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #4922476.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans. Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations.  He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School.  Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching.  Jeremy, his wife Kim and their 4 kids reside in Kalamazoo.  They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family. Fun fact:  Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk Proactive HR
"It's easy to say no when there is a deeper yes burning inside."​ - Stephen Covey Including my 6-year-old in re-wiring our trailer took longer than I had planned...but it was worth it. It was (kinda) easy to say NO to doing it quickly because I had the chance to say YES to making a shared memory with my daughter. Seeing that little smile on her face when she got to roll under the trailer on the creeper, and the proud moment she had when she finished her part of the wiring project, made the extra time worth it. Partnering with our clients to discover their "deeper yes burning inside" allows us to put together a CLEAR holistic strategy which equips them to KNOW when to say NO….in order to say YES! Do you have a financial plan? What do you need to say NO to in order to say YES to staying the course on your financial plan? Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #4849863.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans. Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations.  He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School.  Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching.  Jeremy, his wife Kim and their 4 kids reside in Kalamazoo.  They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family. Fun fact:  Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk Proactive HR