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November 2, 2018 by intrinsic 0 Comments

More Than a Will: Estate-Planning Must Do’s

Estate Planning

The tabloids are full of stories about celebrities who have passed away without wills or other end-of-life documents in place. From Elvis Presley to – most recently – Prince, celebrities often break this cardinal rule of financial planning, leaving their families to divvy up their assets.

But celebrities aren’t the only people who should have estate plans. Everyone – regardless of income level – should have a plan in place to make sure their financial affairs are in order after they pass on.

As you begin developing your own estate plan, consider these tips:

Take Inventory of What You Have and Determine its Value: Taking inventory of your belongings is the first step to developing a comprehensive estate plan. Any and all items you can make decisions about – including financial assets, real estate, and even intangible property such as patents or copyrights – should be accounted for. Then, determine the financial value of each asset. Debt should also be taken into account. Remember to take an inventory of your beneficiary designations on IRA accounts, life insurance and group benefits. Make sure the beneficiaries listed are still the ones you want.

Choose Your Beneficiaries and Decision Makers: These designations are crucial to estate planning. Beneficiaries – the recipients of your funds, trusts, or property – are typically a spouse, child, relative or friend.  They can be decision makers too. Choose someone responsible who can be charged with administering the assets of your estate, takes care of any remaining financial obligations, and ensures your wishes are carried out.

Consider Setting Up a Revocable Trust: Setting up a trust can provide a way to pass assets to beneficiaries. Revocable trusts allow for management of your property while you’re alive and allows property to pass to your beneficiaries without a court proceeding. During your lifetime you can make changes to the terms of the trust. Upon your passing, the provisions can no longer be altered. Revocable trusts allow for an added layer of control and privacy over your assets that is not possible when assets are left directly to beneficiaries.

Write a Will and Establish End-of-Life Documents: Upon your death, your will governs who will receive property not otherwise designated by titling, the terms of a trust, or by beneficiary designation (such as on retirement accounts or insurance policies). Other end-of-life documents might include a living will, dictating decisions related to what should or should not be done to keep you alive, health care powers, or a simple letter regarding how you would like to be laid to rest.

Periodically Review and Update Your Estate Plan: As long as people keep living and their worlds keep changing, there is always the possibility that the plan they put in place no longer works as intended. That is why estate planning cannot be a “once-and-done” event. Life events – such as federal estate tax exemption changes, moving across state lines, or changes in the lives of your beneficiaries – affect your estate plan. Review your plan each year to ensure that it is current.

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October 12, 2018 by intrinsic 0 Comments

Increasing Happiness Is A Matter Of Intention

Increasing Happiness Is A Matter Of Intention 1

For many years, the prevailing theory was that individuals have a genetically determined happiness set point.

In other words, scientists believed that each person could temporarily experience more happiness (depending on circumstances, relationships, and life events), but would then slide back to his or her “pre-programmed” set point. In fact, less than two decades ago, one researcher was quoted as saying, “It may be that trying to be happier is as futile as trying to be taller.”

However, current research in the field of Positive Psychology indicates that people can become happier and the change can be long-term. Sonja Lyubomirsky, Ph.D. (University of California) wrote:

My colleagues and I believe that sustainable increases in happiness are possible through the execution of intentional cognitive, motivational, and behavioral activities that are feasible to deploy, but require daily and concerted effort and commitment.

Lyubomirsky received a grant from the National Institute of Health to identify specific ways individuals can sustain higher levels of happiness. Her pioneering research revealed that our genetic set point accounts for only 50 percent of the happiness we experience while a mere 10 percent can be attributed to life circumstances and situations.

That means a full 40 percent of our capacity for happiness lies within our power to change. For Lyubomirsky (and for the rest of us), this is heartening news! Scientific evidence confirms that we can maximize our happiness by managing what we do and how we think. She explains:

If we observe genuinely happy people, we shall find that they do not just sit around being contented. They make things happen. They pursue new understandings, seek new achievements, and control their thoughts and feelings.

In her book, The How of Happiness, Lyubomirsky provides an engaging review of her research, and outlines the strategies she identified as being the most effective in increasing long-term happiness:

  1. Expressing gratitude (i.e., keeping a journal in which one “counts one’s blessings”)
  2. Practicing optimism (i.e., visualizing the best possible future for oneself)
  3. Engaging in positive thinking about oneself (i.e., reflecting, writing, and talking about one’s happiest life events)
  4. Practicing altruism and kindness (i.e., routinely committing acts of kindness)

“In sum,” Lyubomirsky wrote, “our intentional, effortful activities have a powerful effect on how happy we are, over and above effects of our set points and the circumstances in which we find ourselves.”

Reprinted by permission of Money Quotient, NP

September 28, 2018 by intrinsic 0 Comments

A World Our Questions Create

A World Our Questions Create 2

Jacqueline Kelm believes that we live in a world our questions create.  In her book Appreciative Living, she writes, “The internal and external questions we ask steer our thinking, attention, and images in one direction or another which in turn directs decisions and creates our experience.”

Most of us realize how important questions are in our daily interactions—it seems we are continually either asking a question or responding to a question.  What we are less aware of are the questions that we continually ask ourselves.

Our internal dialogue exists so automatically that we are barely aware it is happening.  What develops are patterns of thinking that shape the way we view ourselves, view others in our lives, and view the world in which we live and work.

As Kelm explains, although it is impossible to monitor every thought that runs through our brains, it is possible to become more aware of the question and answer “habits” that guide our lives.  She wrote, “What we can do is realize these thought processes are going on, appreciate the value they provide, and make a point to ask questions in a more intentional way at appropriate times.”

Kelm also believes that what we pay attention to grows.  In other words, if we choose to study success, we will not only find it, but more success will be generated.  Therefore, she recommends the following:

“It is important to ask about what we want more of, and not less.  Our attention will create our experience, and if we focus on lack, we create more lack.”

Lou Tice, creator of the Investment in Excellence program, describes the same concept this way:  “You move toward that which you think about.”

In addition, Dan Sullivan, founder of Strategic Coach, Inc., has long promoted the power and value of “strategic questions.”  For well over a decade, he has used one question in particular to foster clarity of vision and motivate positive change.  In a meeting with his coaching clients, he asks:

“If we were having this discussion three years from today, and you were looking back over those three years, what has to have happened in your life, both personally and professionally, for you to feel happy with your progress?”

What Sullivan has discovered is that this question provides a framework that enables individuals to simplify their complex lives.

They gain clarity when they identify what will make them happy with their progress.  The result is a new confidence that will lead to important decisions and action steps.

Reprinted by permission of Money Quotient, NP


September 21, 2018 by intrinsic 0 Comments

Ambivalent Feelings About Retirement

Ambivalent Feelings About Retirement 3

Retirement will trigger changes in every area of your life.  As you anticipate and prepare for this stage of life, you are likely to look forward to certain changes and to dread others.

In fact, it is not uncommon for individuals to experience many ambivalent feelings about retirement because of the significant transitions they anticipate.

For example, many express that they are eager to leave the workforce, but nevertheless are concerned they will miss the structure of the workday and interaction with colleagues. In addition, most people closely identify who they are as individuals with their job titles or what they “do for a living.”  Therefore, they are likely to feel less significant when they step out of those roles.

Furthermore, spouses or partners can feel a tremendous strain as they adjust to more togetherness and to a new economic status.  As one woman related, “I define retirement as twice as much husband and half as much income!”

Both research and experience have shown that overcoming challenges and taking advantage of opportunities are key elements to making successful transitions in retirement.  Therefore, it is important to learn ways to cope with change in healthier and more productive ways.

William Bridges, author and preeminent authority on managing change, defines transition as the psychological process people go through to come to terms with a new situation. Similarly, in the world of music, the “passing note” is a note that is not part of a particular chord, but placed between two chords to provide a smooth melodic transition from one to the other.  As you prepare for the many transitions you will experience in retirement, seek ways that you can orchestrate the important “passing notes” in your own life.

To accomplish this goal, it is important to view retirement not as a respite from work, but as an opportunity to explore new arenas, stretch your comfort zones, and find unique ways to fulfill your potential.


Reprinted by permission of Money Quotient, NP



September 13, 2018 by intrinsic 0 Comments

Successful Aging Requires “Whole Life” Planning

Successful Aging Requires “Whole Life” Planning 4

We often equate preparing for old age with achieving the financial security needed to sustain us throughout life.  However, a truly successful and fulfilling aging experience requires planning and preparation in all areas of life.

Financial planning is indeed important, but money alone cannot “buy” happiness, good health, meaningful relationships, and purposeful activities.  In The Late-Start Investor, John Wasik wrote:

“Instead of absorbing an obsolete view of retirement, you should consider what I call your New Prosperity.  This includes a flexible life plan that provides for your financial, vocational, physical, emotional, and spiritual needs.  Unless you look at your future holistically, merely saving up a pile of money will be a meaningless act.”

Invest in Nine Facets of Life

The key to successful aging is acknowledging the impact of choices made today on your life in the future. Therefore, it is important to seek growth and development—throughout adulthood and old age—in each of the following Nine Facets of Life:

  • Intellectual Engagement – Includes activities and educational opportunities that facilitate lifelong learning; stimulate thinking and curiosity; and increase understanding, knowledge, skills, and mental acuity.
  • Purposeful Pursuits – Includes productive activities that are considered to be one’s “work,” whether paid or unpaid, and provide a sense of meaning and contribution.
  • Leisure & Recreation – Includes activities for personal enjoyment and for refreshing the body, mind, and spirit.
  • Healthcare & Physical Fitness – Includes appropriate medical and self-care, good nutrition, and regular exercise.
  • Close Relationships – Includes one’s inner circle of family members, friends, and colleagues.
  • Community & Social Relationships – Includes formal and informal networks, gatherings, associations, and affiliations that provide a sense of belonging and opportunities for social interaction and contribution.
  • Home & Location – Includes type of housing, ambience of living space, and geographic location that meets physical needs and nurtures one’s mind and spirit.
  • Inner Growth – Includes commitment to emotional well-being, personal and spiritual growth, and an ever increasing sense of self-actualization.
  • Financial Well-Being – Includes basic financial knowledge, sound financial practices, and a growing understanding of beliefs and attitudes that influence financial behaviors.

Visualize Your Life in the Future

There is a lot of truth to the old saying, “if you don’t know where you are going, any road will take you there.”  In contrast, as you plan for old age, it is important to envision and articulate the various elements you want to include in your “whole life” portfolio.

A good approach is to first picture yourself at different ages and in each of the Nine Facets of Life. In this process, it is especially helpful to think of your future in 5-10 year increments.

Take time to visualize what you would like to have, do, see, feel, and experience in all of these areas. In particular, consider how you will define quality of life and how your aging process will affect every component of your personal well-being.

Draw a picture in your mind of the life you want to have and then continue to build on those images. Whatever you identify and claim for yourself will become the internal compass of your life by consciously and subconsciously guiding all of the big and little decisions you make on a daily basis.

Commit to a Positive Outlook

It is not uncommon for individuals to avoid thinking about growing old because it conjures up feelings of dread and anxiety as well as images of inactivity, sadness, and decline. The truth is, however, that life can remain rich, satisfying, and meaningful throughout one’s life.

Each life stage offers challenges, but incredible rewards as well.  This perspective will not only help you to keep a positive outlook, but will also guide you in creating an aging experience that is rich and rewarding.


Reprinted by permission of Money Quotient, NP



September 6, 2018 by intrinsic 0 Comments

Listening To The Wrong Money Messages

Listening To The Wrong Money Messages 5

For many of us, managing our finances and building economic security is a nagging concern.  We know we should be making greater strides in taking control of our money matters, but nothing changes.  What keeps us from achieving the financial peace and satisfaction we desire?

One of the main obstacles to financial freedom is listening to the wrong money messages.  Our attitudes and beliefs about money have their roots in the value-laden messages we have picked up along life’s journey. These money messages are not only clothed in the words of others, but in their behaviors as well.

However, these revelations are not intended to give you the opportunity to place blame, but rather to help you recognize potential obstacles to your financial well-being. Remember, awareness is the first step to change!

Therefore, it is important to look for clues in your past that will help you to understand your current financial life.  The following questions will guide you in this reflection process:

  • Starting with your childhood, what experiences have shaped your underlying beliefs and attitudes about money?
  • What were you taught about money when you were growing up?
  • In your family, was money an issue, a source of conflict, a reward, or a tool for achieving goals?
  • When did you first start spending money? How did that make you feel?
  • In your past, has money been a source of conflict in your important relationships?
  • As an adult, what was the most important lesson you learned about money?
  • What money habits have been obstacles to reaching your life goals?
  • What money habits have brought you closer to your life goals?
  • What do your patterns of earning, saving, investing, and giving reveal about the money messages that have influenced you?

In summary, to discover the roots of your financial attitudes and actions (or inaction!), look first to your past experiences.  A review of your financial history will give you tremendous insight into the money messages that consciously and unconsciously influence how you deal with money on a day-to-day basis.

Reprinted by permission of Money Quotient, NP


February 6, 2014 by intrinsic 0 Comments

The Soup Pot

The Soup Pot

By Ethel Marbach


Once upon a time there was a great commotion in the kitchen by certain vegetables who could not get along with each other.  All day long they muttered and grumbled, and when they did not mutter and grumble, they sputtered and mumbled.  Soon the sound of the bickering grew as loud as a swarm of angry hornets preparing for battle, which upset the old woman who lived there very much, for she believed that there had to be harmony in the kitchen while she cooked.


If food was not prepared with love, she said, it would give you hiccoughs.

It would make you sneeze so hard you would see green balloons before your eyes.  You would trip on your shoelaces while playing hopscotch, and, worst of all, the last page of the exciting story you are reading would be missing.


So you can understand why she was so upset.  The old woman knew full well what was the trouble.  Each vegetable felt that s/he was the best possible vegetable in the kitchen. no, in the whole world. and saw no need to be friendly with any of the others.


The carrots bunched together in the orange plastic bag.  The peas shut themselves up in their pods (except for the telephone peas who gossiped up and down the vine when they were growing and couldn’t stop the habit now), and the purple and green cabbages put their heads together in the bushel basket.


The onions, who were a weepy sort, braided each other’s hair, burrowed into their lacey brown shawls and hung in a clump over the kitchen stove.  They felt shy and bumbling, country cousins to their fancy relatives, the shallots and scallions and chives, who minced about being elegant.


The potatoes huddled together in grumpy groups, poking each other with their horny eyes and laughing coarsely.  They couldn’t care less about the scabs of dirt on their skin.


The rutabaga considered himself the king of the kitchen and threw his weight around quite a bit.  “Nothing,” he boomed, “can beat my strength, my fortitude, my flavor in a boiled dinner!”


There were a very few vegetables who tried to be friends.  The younger lima beans did make friends with the young corn kernels and they played Succotash together in the old black pot.


The parsley would fight with no one, shrugged her shoulders and sprigged off into a jig.  When she was not dancing, she enjoyed curling with her friend, Sweet Savory, using a dried straw-flowered broom.  She was the best natured of the group, adding her opinion only when she was asked.


Not so the celery, who thought himself the brain of the kitchen.  He stalked about, giving orders here and there in a crisp you’d-better-obey-me voice, the tops of his leaves waving like plumes in a soldier’s helmet.


The cauliflower, of course, knew better.  She was not only the smartest but also the fairest of them all.  What could be more beautiful than her snowy white head as a mass of firm white flowers? Nothing!


The only thing the vegetables did have in common was their contempt for Leftovers.  Leftovers were poor unfortunates who lived in a shunned community of bowls and jars and plastic bags in the refrigerator.

“Foreigners!” the vegetables called them scornfully. “has-been’s!”


“At least we are alive and out in the world,” sniffed the delicate Frenched Bean, “even if we can’t all be as lovely as some of us.”


On this particular day, the Leftovers had nothing to do with the commotion.

It was all the vegetables’ doing, but it was hard to tell just how it began.

Perhaps the potato had accidentally bumped into the rutabaga, knocking him topsy turvey.  Perhaps the peas had rolled underfoot of Sweet Savory, as she was jiggin.  Perhaps the corn, playing leapfrog with the lima bean, had plopped into the squashy lap of the tomato.  Whatever had started it, the old woman decided it was up to her to end it.


She rapped her wooden spoon smartly on the side of the big black pot.

“Silence, do you hear!”  Attention, I want your complete attention, all of you!  Listen to me.  I will have no more of this behavior.  The air is so sour now; it would curdle the sweetest milk.  This cannot be.  We are all here for the same reason. to create something of beauty.”


The vegetables stopped murmuring long enough to look puzzled.  “And each of us needs the other,” the old woman went on.  “We cannot create out of nothing or we would be like the good God who made us.  An artist needs his paint.  A writer must have his pen.  A man who makes music must have his fiddle.  A cook needs her soup pot.. And you!


“Are you ashamed?  Why are you so rude to each other?  In truth, there is not one of you who is as perfect as he thinks.”  The old woman, even though she was annoyed, tried to soften her sharp words.  “Look at yourselves with clear eyes.”


The woman was right.  They were, in truth, far from perfect.  The carrots were covered with long stringy hairs and spotted with wormholes.  The turnip was so rubbery; a child could bounce it as a ball.  The cauliflower’s white hair was splotched with grey and the flowers of the broccoli tree had blossomed yellow.  The proud celery was limp and pale, from spending a dull time in the back of the refrigerator.  There he had been shoved with jars of mustard and jelly and horseradish turned grey.


“Now,” the woman said, gently, “if you were in someone else’s kitchen, you might be called garbage and be thrown out for the pigs.  But Leonie will not throw you out.  Together we shall work magic and create soup fit for the saints.  Be we must work together.


“You there, celery, stop feeling sorry for yourself and don’t slouch.  Pull yourself together, onion, and peel off those dowdy clothes. Let me see your fresh shiny red face again.  A haircut is in order for you, friend cauliflower, and never mind, carrot, a close shave with the peeler and you’ll be as smooth as ever.  Careful there, peas, two at a time, and watch the edge of the table and stop whispering.”


The sun burst through the rain-splattered windows and the April wind howled and beat at the panes.  But all was warm and cheery inside as the old woman filled the pot full of cold water and laid a bone with no meat at the bottom of the pot.


She dropped a handful of barley and then one of brown rice and watched them settle around the bone like pebbles which sink to the ocean floor.


The she chopped and diced and minced and peeled and shredded and slivered until she had shaped a large mound on the table.  The heap of vegetables looked as pretty as a pile of confetti and smelled as good as a summer salad.


Gone were the wrinkled, rubbery coarse skins, and the bumps and scabs and spots of mold.  The old woman dumped the vegetables lovingly into the bubbling water and watched it simmer down to a golden thickness.


Finally, she went to the refrigerator and bought out the Foreigners and added them all to the soup.  A cup full of macaroni and cheese, a small bowl of chili red beans, two frankfurters, one Swedish meatball, and four brown mushrooms, whose eyes were hidden under their caps. into the pot they went.


Then she ironed pillowcases and hummed until the sun went down and her husband came home.


She filled two brown bowls with the soup and tossed a handful of dried bits of old cheese and bread on top of them.  Her husband sipped the soup slowly and continued until the bowl was clean.  He left not a chili bean or scrap of celery at the bottom.


“Ah, Leonie,” he sighed.  “What an artist you are.  You have created a masterpiece out of nothing.  What a lucky man I am.”


“True, true,” she agreed, as she got up to fill her bowl again.  “But I did have a little help.” and she smiled at the pot.


And every vegetable in the pot felt talked about.. Personally.

February 4, 2014 by intrinsic 0 Comments

Lessons from Geese

Lessons from Geese

By Milton Olson

1. As each bird flaps its wings, it creates an “uplift” for the bird following. By flying in a “V” formation, the whole flock adds 71% greater flying range than if the bird flew alone.

Lesson: People who share a common direction and sense of community can get where they are going quicker and easier because they are traveling on the thrust of one another.


2. Whenever a goose falls out of formation, it suddenly feels the drag and resistance of trying to fly alone, and quickly gets back into formation to take advantage of the “lifting power” of the bird immediately in front.

Lesson: If we have as much sense as a goose, we will stay in formation with those who are headed where we want to go (and be willing to accept their help as well as give ours to the others).


3. When the lead goose gets tired, it rotates back into the formation and another goose flies at the point position.

Lesson: It pays to take turns doing the hard tasks and sharing leadership—with people, as with geese, we are interdependent on each other.


4. The geese in formation honk from behind to encourage those up front to keep up their speed.

Lesson: We need to make sure our honking from behind is encouraging—

and not something else.


5. When a goose gets sick or wounded or shot down, two geese drop out of formation and follow it down to help and protect it. They stay with it until it is able to fly again or dies. Then they launch out on their own, with another formation, or catch up with the flock.

Lesson: If we have as much sense as geese, we too will stand by each other in difficult times as well as when we are strong.

Intrinsic’s Dream in Motion.

“Dream lofty dreams, and as you dream, so shall you become. Your vision is the promise of what you shall one day be; your ideal is the prophecy of what you shall at last unveil.

The greatest achievement was at first and for a time a dream. The oak sleeps in the acorn; the eagle waits in the egg; and in the highest vision of the soul a waking angel stirs. Dreams are the seedlings of realities.”
~ James Allen

It is with great pleasure that I introduce a dream in motion – we have now retired the name Delta Ventures Financial Counsel, Inc. and we have become Intrinsic Wealth Counsel, Inc. We invite you to explore our new website at Our mailing address and phone numbers will remain the same. Our email addresses have changed to:,,, and

Intrinsic Wealth Counsel, Inc. speaks more clearly to what we aspire. We manage and invest money based on the Intrinsic value of companies. When it comes to life planning, Wealth is more than just money. We believe that intrinsic motivations are far more powerful a force for life goal achievement than extrinsic motivations. We also believe there are few, if any, who enjoy being “managed”— however, most of us recognize the need and benefits of seeking Counsel from a trusted advisor or friend. We aspire to be both.

We firmly believe that personal life planning is a gift clients give themselves and is often one of the few times in an individual or couple’s busy lifetimes where the purpose and focus is to honor their own dreams, and by intent, create life plans to live the life they’ve imagined. This gift enables clients to enjoy the journey as well as the destination.

The world isn’t getting any simpler, and what you need and want is – simplicity out of complexity. To live your life with ease in a world of dis-ease; to build or secure your future on your terms, and to find/create the space and place that you and your loved ones call happiness, peace of mind, love and your heart’s home.

At Intrinsic, we uphold and honor a fiduciary standard of care, which means we strive to provide advice that is in your best interests. We can neither predict nor guarantee human behavior or the future. We cannot guarantee rates of return or how long you will live; we do aspire to collaborate with you to get a return on life, and, to find workable solutions when problems arise.

Real Planning for Real Life means dealing with money and the human experience. We have found over the last 25 plus years this means integrating your money life with your real life, finding practical solutions when challenges and opportunities arise and giving your money meaning and purpose that honors your life goals and values.

We feel blessed to be in a business that helps others realize their dreams, and in return, we too get to set our dreams in motion. Thank you for allowing us the opportunity to serve you as your trusted advisors, friends, and associates.

Neal Van Zutphen, CFP®, M.S., AWMA™
CFP Board Ambassador, Phoenix
NAPFA Registered Financial Advisor

Ideal Self

Maslow’s Hierarchy of Needs

Ideal Self 6“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light and not our darkness that most frightens us. We ask ourselves, who am I to be brilliant, gorgeous, talented, and fabulous? Actually, who are you not to be… you’re playing small does not serve the world. There is nothing enlightening about shrinking so that other people will feel secure around you.” Marianne Williamson

  • Self-actualization is:
  • Striving toward one’s ideal self, toward autonomous self-regulation, a striving for personal mastery, to experience flow, to develop realistic appraisals of oneself and others
  • Intrinsic motivation emerges spontaneously from psychological needs, curiosities and innate strivings for growth
  • To paraphrase Carl Rogers “Self-actualization is an underlying flow of movement toward constructive fulfillment of … inherent possibilities. It is an individual’s or couple’s ever-fuller realizations of one’s talents, capacities and potentialities. To embrace and enjoy the journey.

The self-actualized world-view:

  • Altruistically humanistic vs. behavioristic
  • It is not a Stimulus → Response World
  • It is an emotionally and socially intelligent world where stimulus evokes thoughtful response, employing the power of choice (Viktor Frankl)
  • It is an abundant, interconnected & interdependent world of possibilities
  • High moral and ethical standards
  • To nurture others toward their ideal selves
  • Intrinsically motivated to enjoy the journey

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