We are a financial coaching firm directing our clients through award winning research to maximize their financial future. We invest people’s money and coach them as to how to maximize their investment return for any given level of risk they choose. Our specialty is different than most advisors. We use a specific logical process that most people have not seen before and construct portfolios specifically programmed to maximize expected returns. Harry Shepler is the founder and managing partner of The Shepler Financial Group, LLC., and has been in the financial services industry since 1977 and has owned his own firm since 1988. He has a broad range of knowledge in retirement planning, estate planning, financial risk analysis, investing and cash flow planning. He is a financial coach for all ages, and specializes in helping those who are within five years of their anticipated retirement.
Harry is nationally recognized in his field and a frequent speaker at professional forums. He is involved in many local charities. He is currently the President of the Board of Trustees of the Currier Museum of Art in Manchester, NH, and serves on its executive committee. Also, he serves on the Community Hospice House Foundation Investment Board of Merrimack, NH. Harry has a wife of 40+ years, four children, and eight grandchildren. Harry likes to sail, is an active triathlete, and an avid Red Sox fan.
Recently Harry was interviewed and here is his story:
“In January of 2010, I watched a movie about Dick Hoyt and his severely disabled son Rick, who together have completed over 1,000 races (including 6 Ironman competitions), and it changed my life. My oldest son had begun competing in triathlons some five years prior and had always wanted me to get involved, but I didn’t think I was physically up to the challenge. After seeing what Dick Hoyt had done out of love for his son, however, I changed my tune. I said, ‘I’m going to do this—for the love of my son as well as for myself.’ That September, I completed my first triathlon with my three sons by my side—it was one of the greatest moments of my life.
“Some five years later and 30 lbs. lighter, I’m motivated by different forces. In May, I had the privilege of running a charity 5k with Dick Hoyt—the very individual whose example had set me on this new path—and sharing with him what a powerful influence he has been. These days, I’m not working to finish the race; I’m working to win it! And that’s the way I view life—you get involved with something for whatever reason, but once you’ve committed, you’re in it to win it.
I view my business and my clients’ futures in the same way; I’m passionate about ensuring that people plan properly for retirement so that they enter their later years with the knowledge that they can afford to live comfortably for as long as they live.”
Refocus your priorities
“In my experience, most people in their pre-retirement years focus on the pot of money they’re trying to accumulate but give very little thought to how they’re actually going to use that money in retirement. My goal is to get clients to refocus their attentions from accumulation to income; rather than concentrating on how much money they can amass, I encourage them to think about how they can deploy that money to get the highest income in retirement.
“I find that once I get clients focused on income, then it becomes an educational process in which I can introduce them to more effective ways of accumulating money to throw off greater income down the road. For example, permanent life insurance can play a vital role in boosting your retirement income—it can become a key tool in making sure that your money works for you. Permanent life insurance is a wonderful way for young adults in particular to start an effective savings program, as it’s much more cost effective to obtain when you’re younger.”
Understand the difference between investing and speculating
“One of the first things I try to teach new clients is that there’s a big difference between investing and speculating. I’ve found that the easiest way to convey this message is to share my three investment ‘Do’s and ‘Don’ts’:
Know the purpose of your money
“I believe it’s very important for people to recognize the true purpose of money for them, and it’s something that’s very personal. For me, the primary purpose of money is freedom, with love a close second. My actions are guided by my desire to have the freedom to do what I want, when I want, for as long as I want. I’ve approached my own retirement planning with these goals in mind and it’s worked very well. Although I never plan to retire, I’m in a position where my finances are set and I can focus my full attentions on my clients’ needs. I believe that commitment is important and apparent to my clients. Indeed, a client once remarked, ‘When I’m in the room with you, it’s like there’s no one else in the world,’ and that delighted me. I’m a great listener and I’ll spend all the time with you that you need. I don’t have an agenda other than securing your financial future, so I can listen carefully, give you alternatives, and work with you to develop the solutions that best meet your needs.”
Realize that needs change
“As a young man, I was focused on making a life for myself and my family, educating our children, and securing our financial future, and I catered to a demographic whose needs mirrored my own. At this stage in my life, I’m focused on giving back to my community and creating a legacy for my children and grandchildren, and I’m eager to help others at this stage in life achieve their goals as well.
“My family has always informed my actions in this regard. My lovely wife Barbara and I have been happily married for many years and have four wonderful children and seven beautiful grandchildren. It was very important to me that I create a life for our family that allowed my wife and me to pursue our interests and enabled my children to get a good education and obtain their own financial independence.
“I’m proud to say that I’ve done that. Our four children are independent, happily married, successful individuals and my wife and I have the freedom and flexibility to pursue our passions as well. My wife loves art and is a very active volunteer with the Currier Museum and I serve on the board of directors. I’m also active on the investment board of Hospice House, an organization I believe in deeply. I feel very fortunate to be able to pursue these interests, and I have that luxury in large part because of the thoughtful planning I’ve done up to this point. Now I want to help others achieve financial security and enjoy their future as well. There are many things about my work that I enjoy, but my greatest satisfaction comes when I’m finishing up meeting with clients and they thank me. My clients know that I care and that I’m committed to putting them in a better place financially than they could get to on their own, and that’s incredibly rewarding.”
The information on this website is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The Shepler Financial Group is a registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Content is developed from sources believed to be providing accurate information.
Copyright 2018 The Shepler Financial Group.
Fax: 603 624-9041
169 South River Road, #3
Bedford, NH 03110