Karl Joern

15 years ago, life was rocking along well. I was game-fully employed in the Energy Industry making over a 6 figure salary, my spouse and I had just purchased a home to fit our family until we retired, and we were living the American dream with our 2 daughters and son. Our kids where bright with college in their futures, and all three were active athletes in swimming and water polo. [boc_spacing height="20px"] The perfect storm hit, over the next 15 years a different life emerged from the one I thought was going to be our future. Remodeling of our new home took a hit when both, a home remodeling contractor and a landscape contractor, defaulted leaving us with twice the original expense to finish both projects. Our youngest, son, went on a national water polo trip and was assaulted by other members of his team, leading to a 5 years legal battle. Our middle child no longer wanted to be a college student athlete. Our oldest child changed college career paths. Vicki and I paid for two weddings and three college educations. Vicki's parents moved in with us. And, I lost my high paying job. I understand what can happen in short order to a family financially. [boc_spacing height="20px"] As an advisor I help clients prepare for the unexpected. I enjoy working with those who care for the most vulnerable in our society because they tirelessly put their needs on the back burner for those they care for. I want to make sure when an issue arises I am there to help our client's from a financial perspective. [boc_spacing height="20px"]