Invest in Yourself Blog Series | Part 1

Do you invest in yourself? Find out how Hewins and Wipfli Hewins help women invest in themselves across the country.

Hewins created the Invest in Yourself Luncheon series last year to help educate women on key fiscal and personal strategies that can add great value to their lives.  This event also serves as a helpful forum and place of support for women to connect with others from a professional and personal perspective.

The focus for my 3-part blog is Clarity. According to Merriam-Webster’s definition, “Clarity is the quality or state of being clear: lucidity. Lucidity is clearness of thought or style.”

Clarity occurs when you understand what you want to accomplish and how you can accomplish it.

It’s a simple enough concept that is sometimes clouded by confusion, emotion and fear that can get the best of us. Past events can also have a tremendous impact on our perception and decision-making process today.

“We are disturbed not by what happens to us, but by our thoughts about what happens.”

-Epictetus, Greek philosopher

Growing up, I was overweight and shy—what some may consider a “nerd”. When I was younger I used to love to swim. I could stay in the pool for hours! At age 12, I was getting ready to jump in the pool when a boy well-within the water yelled at me, “Don’t jump in the water! You’re so fat all the water will come out of the pool!” I panicked and quickly left. I refused to get into the water.

Since that day, I have barely put on a swimsuit or gone near a pool. I gave up doing something that I enjoy and love because of some boy’s adolescent cruelty. Although that frightened pre-teen isn’t who I am today, that event still has a great impact on how I make decisions and perceive my experiences.

Whether an event, movie, song or even food, certain experiences from our past have a tendency to stay with us for the long-haul, and continue to impact us greatly in various facets today.  These experiences can influence us to make decisions based on perception rather than reality—that the water in the pool would shatter the laws of physics and completely empty, rather than doing the expected and what is quite normal regardless of size or technique.

The financial media has done a tremendous job of exploiting people’s emotions and fears by distributing a multitude of negative messages throughout the day. They disseminate hundreds of stories bombarding people on even the most microscopic tremors of the market, economy, unemployment, hardship and on and on and on. Unfortunately, the media at times gets the facts wrong and stories may propel from unreliable sources.  In reaction to these stories,  people both in and out of the financial industry frequently panic and buy or sell investments out of fear.

How can we make sure we make decisions based on fact, especially when dealing with our finances? We spend the majority of our lives working to build a nest egg and should not allow singular decisions to have such devastating financial impacts.

This is where it’s important to have Clarity and work with a Financial Advisor you can trust. A Financial Advisor can be a guide or coach to help you review your finances clear of obstructions and misinformation. They can help ensure you are making decisions based on what’s best for you, not based on emotion or fear.

If you work with an Advisor or are in need of financial guidance, make sure you ask questions to find the right fit for you. This is your hard-earned money, don’t leave anything to chance!

Stay tuned for part 2 of my blog on Clarity. I’ll discuss further how we can gain Clarity by looking at things from a different perspective.  Remember to always Invest in Yourself!

Wipfli Financial Advisors, LLC (“Wipfli Financial”) is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC); however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Wipfli Financial is a proud affiliate of Wipfli LLP, a national accounting and consulting firm. Information pertaining to Wipfli Financial’s management, operations, services, fees and conflicts of interest is set forth in Wipfli Financial’s current Form ADV Part 2A brochure and Form CRS, copies of which are available from Wipfli Financial upon request at no cost or at Wipfli Financial does not provide tax, accounting or legal services. The views expressed by the author are the author’s alone and do not necessarily represent the views of Wipfli Financial or its affiliates. The information contained in any third-party resource cited herein is not owned or controlled by Wipfli Financial, and Wipfli Financial does not guarantee the accuracy or reliability of any information that may be found in such resources. Links to any third-party resource are provided as a courtesy for reference only and are not intended to be, and do not act as, an endorsement by Wipfli Financial of the third party or any of its content or use of its content. The standard information provided in this blog is for general purposes only and should not be construed as, or used as a substitute for, financial, investment or other professional advice. If you have questions regarding your financial situation, you should consult your financial planner, investment advisor, attorney or other professional.
Janice Deringer


Janice L. Deringer is a member of Wipfli Financial's Investment Committee and a consultant who focuses on serving individual and corporate clients. She brings over 20 years of institutional investment management experience to her strong interest in educating women and individuals regarding financial decisions, realities and possibilities.

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Invest in Yourself Blog Series | Part 1

time to read: 3 min