Year End Review – 2021


Attitude of Gratitude

I always like to end the year and take some intentional time reflecting on the past year and planning for the following year. 2021 has been a trying year, no doubt. It seems you couldn’t turn on the news without hearing about the global pandemic, politics, and some other societal tension. Nevertheless, the stock market has been performing well. When looking at three major indices (S&P 500(GSPC), Dow Jones(DJI), and Nasdaq(IXIC)), you will notice all three have strong YTD returns.


This further reinforces the notion that the best time to invest is always today. No one could’ve accurately predicted the effects of the pandemic on markets and businesses. However, if you stay in and take a long-term approach to investing, you will find how resilient the markets are.


Growth Mindset

Professionally I have a lot to be thankful for. Vantage Pointe Planning continues to grow. I am convinced that I get to work with some of the best clients around. They challenge me in a good way, and are intellectually curious, and value professional advice. In addition, I am thankful for all the families that entrust me and seek my guidance on some of the most important financial decisions in their lives. Our approach is always to get to know our clients personally so we can create a financial plan specific to their goals.

A big move for us this year was moving into our new permanent space.



As a way to invest not only in our business but the community as well, we developed a coworking space District No.3.



We see this as a space where members can work, connect, work collaboratively and build great companies. This aligns with one of the primary motivators in Vantage Pointe Planning – which is to provide value to support and always work in our client’s best interest.


It’s been a busy year. But, as any entrepreneur will attest, in building anything of note, it is essential for every team member to also practice self-care. I usually enjoy taking some time outside and just practicing gratitude, mindfulness, and intentionally taking stock of all my blessings goes a long way for me.

Thank you for your continued support, and I’m looking forward to all that 2022 will bring; and I’m hoping you spend some time focusing on the good in your life too. See you next year!


Investing and financial planning which lead to building wealth over the long term. There are so many resources out there that educate the public on best practices to build long-term wealth.

Everyone by now knows about the investment prowess of the Warren Buffet. His success with Berkshire Hathaway is well documented. It has been recently reported that his net worth surpassed $100 Billion. That is an incredible feat by any objective standard in one generation. Let’s assume that you nor I am the next Warren Buffet. However, there are some lessons we can learn from his success. Some best practices, when it comes to investing and building wealth. I’ve enjoyed and spoken about a recent book with my clients by Morgan Housel, The Psychology of Money; I’ve also had the pleasure of hosting a Q&A with Morgan. In the book, he discusses some of the success and cautionary tales when it comes to investing.

Invest like the Oracle of Omaha

For example, when talking about Warren Buffet, people often forget that one of the main factors leading to success is time, as in the market. He has been investing consistently for over 50 years! Identifying reliable companies or investment opportunities and letting time in the market work in his favor. We can not just oversimplify his success and solely attribute it to this one factor, working with clients and advising them on the best ways to achieve their financial goals. I can say unequivocally that using the time to your advantage is easier said than done.

Ok, so What is the most significant risk to your investment success? You! In the financial planning industry, and I’d say investing, overall, Behavioral Finance is becoming a discipline. There are even certifications and advanced training available in this, for example, Financial TherapyLife Planning, to name a few. Behavioral finance is the intersection of money and psychology. Practitioners subscribe to this belief that financial success is primarily due to our different money attitudes, biases, experiences, risk tolerance, etc., over traditional financial analysis measurements. We’ve seen evidence of this recently.

Gamestop Fiasco

A few short months ago, everyone was writing and speaking about the Gamestop fiasco when the stock price experienced an unprecedented surge (and eventual fall) in price within a short time. Many people bought the stock simply because it was “trending” or “heard” about it. Platforms such as Robinhood, TD Ameritrade, Schwab have all lowered the trading costs to $0, making it even easier for the average investor to buy and sell stock. This creates a perfect scenario for people to give in to the worst temptations and treat stock investing like gambling. This wouldn’t be that bad, except many people don’t know they’re gambling and think they’re investing.

Therefore one of the most significant value adds a financial planner can bring to a client relationship is to protect the client from themselves. The competent financial planner can run “interference,” adding an objective sounding board for the client before deciding.

Remember, one of the most significant predictors of investment success is time in the market. Having a sound plan and disciplined strategy will increase your probability of achieving your financial success. So yes, You are the most significant risk to your financial success, but thankfully this one is easily mitigated.

financial planning, wealth, investing

financial planning, wealth, investing

Vantage Pointe Planning, L.L.C. is a registered investment advisor with North Carolina. We are not limited to this state, as we will register with other states when our client count in any particular state meets registration requirements. We will offer individualized responses to persons in a particular state only after complying with that states regulatory requirements, or pursuant to an applicable state de minimis exemption or exclusion. This web site is for educational purposes only and the information contained herein should not be construed as an offer to provide investment advice. The information should not be construed as advice to meet the particular investment needs of any investor. With each financial planning engagement, our ADV Part 2 which includes the Privacy Policy, must be delivered to the Client. These will be emailed to you prior to our Introductory Meeting.