Make Money Simple: Reverse Your Aging by Leaving Toxic Work Relationships!

Be Happy

Happiness can be under rated!  So many times in our lives, we look at a less than perfect situation and stay in it because of “the money”!  Heck of a way to build a Family Legacy in Financial Wellness, isn’t it?  Our family members see that this is an acceptable way to work and live “for the money”.  But in all honesty it may be more expensive to stay in a toxic work relationship than to leave it, and I am not talking just money!

Yesterday, I promised my readers I would finally reveal my story of “Leaving Eddie Jones”, and I am incorporating that into today’s writing having the ability to look back and see how expensive it was for me to stay where I was for as long as I did.  

Our choices will promote either aging or anti-aging, but I did not think of that over the years.  It is only as I am aging that I think through every thought and decision to increase my longevity.  My youth is not lost, my life is in a new span of time.  Let’s go back to my years at Eddie Jones:

With four years in banking, six years at two major wirehouses, being recruited each time, I was still an optimistic member of the financial industry.  The first three of my years at Eddie Jones were productive, successful, and provided an opportunity to me for regional leadership.  I continued to build a women’s market as well as a socially responsible specialty.  Then three years into my time there, the managing partner changed, and the company changed.  We were also heading into the market downturn that lasted for the remainder of my time there.  I began in 2004 and left in 2011.  With the change in management, change in the market, and a growing awareness on my part of the “compliance” matters that were changing, I witnessed a lot that led up to my major decision in June of 2010 to “begin to leave”.  There are many other small situations, but I am not wanting to live in the past.  Let it be said that, while on commission, when I left Eddie Jones, I was granted unemployment compensation after putting all of the situations into writing.

Not wanting to live in the past, I will simply list the general areas that affected my decision:  Client compliance with the percentages of a client’s portfolio being limited to limit their exposure.  I was known to be the advisor who talked with compliance before making recommendations to the client.  The percentages of risk being allowed changed drastically.  

The ability of a client to hold proprietary products:  the company went from a mandate to sell proprietary products when a client came into Eddie Jones to promoting their own proprietary products over the years.  This was a direct affront to clients who were mandated to sell when I began with Eddie Jones.

The total lack of training and on-the-job guidance that office staff was provided in unusual estate situations with large clients.  Then, when the staff messed up under the guidance of home office staff, they were terminated.  

Lack of home office and regional support in times of catastrophe leaving the local office to work through the insurance/restoration/ business resumption on their own.

The direct experience where I was asked to consider hiring someone who was threatening a sexual discrimination lawsuit against Eddie Jones.  The employee did come to work for me while being subjected to the wrongful behavior of a male advisor.  His colleagues literally chastised me for hiring her.  She worked through her pregnancy for me…

One of the final blows was being told by home office that I spent too much time with clients.  Their suggestion was 5% with current clients with the remainder of my time being spent in client and asset acquisition.  

In the spring and early summer of 2010, the production requirements were increased.  My client service numbers were really good, and no formal complaints , no legal action ever.  We had just lost our office staff as stated above, we had recovered from the loss of a major client due to the death of the client but still retaining and restructuring the assets for the beneficiaries, we had recovered from a total flood of our office, and more.  I had been told that the home office staff was there to help, but when I asked for a delay in implementation of the new numbers to allow the actions needed for the clients, I was told I spent too much time with my clients!  My response was that they should terminate me right then because of the change in risk limitations, which would only benefit the advisor and the firm–not the client, that my clients were why I was there!  They responded that they knew I would meet the new requirements.  Six months later, they did terminate me with no notice.  They brought in a brand new representative who lasted probably less than a year.  There was no transition for my clients.  There was no regard for the clients at all.  End of story…

I was not a hard-headed realist, I knew what was coming, and I trusted The Universe, I trusted I would find my way, and I did.  I used my brain to strengthen me mentally, emotionally, and phsyically.  Since then I have improved my health greatly.  I trusted me.  I am a new person in all regards.  I reduced the toxic influence of Eddie Jones and corporate America on my life.  My quality of life includes all the ways that will allow me to lve at least another 35 years.  

Meditation, social support, close relationships, good sleep, boundless curiosity, the willingness to move forward, taking on new challenges, and believing in my values are all things that I use and most use when they want to retain vitality and age well.  It was then that Empower Excellence began.  It was an adventure to help clients Make Money Simple and to do the things in their life inspite of “the money” 

And now, as I continue developing ways to help others with their money, the idea for a Family Legacy of Financial Wellness is taking shape.  And the Legacy is not just “money”, it is a reflection of someone’s values for their life and for those who they care deeply about–it is the Legacy they will leave with everyone they have touched.  And, I, with gratitude, will leave my Legacy not only upon my family who have watched me travel this path without wavering because of “the money” but also on friends and clients who at times wondered about my connection with reality…but I am on my way today and into the future leaving a Legacy for all I encounter.

 

http://www.empowerexcellencewithjan.com

Facebook:  Empower Excellence  “financialwellnessforall”

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LinkedIn:  Janice Marie Litterst

Twitter:  @empowerwithjan

Email/Phone:  janicelitterst@gmail.com     440-670-225

The Transformation…

6 27 16 Miller Julia female again

Only a moment, and it can change the outlook of each of us.  Just like the butterfly; one moment a caterpillar, then in a chrysalis and then wings…

Our lives with money can be the same way.  We are moving along like a caterpillar knowing who we are, for the moment, and then things change.  Money is fickle, and it is unpredictable.  Of course, those who work for someone else with a regular paycheck think they have this conquered until they don’t.  Jobs are eliminated, companies are sold, companies move, illness sets in.  There is no guarantee that your money will be coming when it is supposed to.  

And for those of us who are entrepreneurial, we may have said goodbye to corporate America, and we may have made it so far in our business pursuits that we are still standing, but we are dependent upon the cash flow provided by those who are served by our businesses.  There are no guarantees.

Just like the butterfly, there are no guarantees.  As a caterpillar, they have no clue as to the color or pattern of butterfly wings they will have.  Like the butterfly, I believe we all have to live on faith.  We have the faith that we are doing what is right for us, and that it will all work out.  I know I am.  

Be Whole, and Be Well!

Happy Butterfly New Year

We have Friday, Saturday, and Sunday before the New Year kicks in, and I want to wish you Wholeness in the New Year.  I am a strong believer of the mind, body, spirit connection, and it has me baffled right now.  I spent a good part of the last 6 months ill with one respiratory situation after another, and I thought I had it figured out; but I was wrong.  After about 3 weeks of wellness, including a trip to the dentist for an exam, teeth cleaning, and a general exam with my traditional doctor and blood work, I have pretty well lost my voice as of yesterday.  And I have a blazing cold that began yesterday morning.  I, the nonbeliever of pharmaceutical drugs, is taking a one-a-day decongestant–strong, and it is helping with the congestion but not with the voice! I am turning it over to God, and maybe he will let me know what is really going on…

In the meantime, as we approach 2018, wholeness is wellness in all parts of our lives:  career, social, financial, physical, and community.  Being well does not live in a vacuum!  It is more than eating healthy, which I do.  It is more than working out, I have lost 14 pounds over the past year with walking; and I am waiting for the temperature to warm for that and for my physical wellness to return so that I can once again be a part of Silver Sneakers without contaminating everyone else.  But take the community involvement, and the career fulfillment; add those to financial wellness, and you should be on your way to being well on a holistic level!

And I want to take a moment to discuss “financial wellness”.  Everything to have everyone better aware of their money situation is good; but our traditional financial institutions have fallen into the habit of offering “Financial Wellness” which is primarily product driven.  After all of my years in constituent services, banking, and financial planning, the need is far deeper than that.

And that deeper level has everything to do with understanding how each of us as an individual makes personal money decisions.  I have found that working on the personal money relationship empowers folks to understand “their” personal money relationship and then to go on to choose the best decisions for them!  Festering financial problems, which employees hesitate to discuss in a group setting in their workplaces where the financial institutions offer their “free” programs can cause loss of sleep, lower self esteem and reduced productivity.  Several years ago, COSE (Council of Smaller Enterprises) included my thought sin an article they did on this topic:  “managing money issues “frees up people’s spirits and gives them more energy.”  The rest comes easier!

janicelitterst@gmail.com

 

It Started with Energy, and It Became…

Butterfly Escaping Earth Peace 7 8 16

Way back in the late 1990″s, I was working a great deal with women in the financial services industry.  It was not a predetermined niche market, but it became that way because I tend to have a good relationship building model with women.  And that eventually led to me reading a book by Maria Nemeth called THE ENERGY OF MONEY.  Yes, it started with my energy work in reiki and meditation and more, but it led me right into the field of financial services.  This was a departure of a book, and I really took to the theory behind it.  Moving forward through the years, Maria Nemeth was my go to author until she no longer was.  

Through the years, all people, but women especially, began to look for quick fixes with their money relationship and a very involved, interactive book no longer did it.  Too much time, too much work!  There was once a brave Unity minister who worked with me to present a 12-week program based on the book, and that had a very short life.  People want easy!  People want quick!  And that is why most people do not have the money relationship they crave.  They want the quick fix, but they ae not willing to spend the time to unpeel all of the money myths, mis-teachings, and more they have learned.

In the 90’s I did a lot of group programs, but money is too personal to speak about in a group.  So I began personal sessions, since money is personal, and grouped them into easy-to-do series that could be done at first in person and now on Skype.  That is a good model because people want a confidant with their money.  They also want someone who will not, cannot, sell them product, or represent a company they do not want to align with.  And, with great criticism by other financial professionals in the beginning, I let my securities licenses go.  I had to believe in what I was and what I am doing.  I am helping the clients improve their knowledge of financial decision making; I am not improving a corporate America’s firm’s bottom line!  

It is all about energy, beginning with the person, and expanding into every part of the person’s life.  The secret is finding where the energy is lacking and why; and then it is up to me as the coach and the client to lay out a pattern to change and create the new energy they are seeking throughout their life including money.

The money is a s vital as life; empowering someone to really understand and make financial decisions empowers them in every part of their life.  That is what I do; that is what my mission is.  I learned this with 5 years in banking and 12 years in the traditional financial planning field.  I was good at what I did; perhaps too good.  Corporate America does not want an advisor who really takes a lot of time with clients.  It is a game of “get them in the door, sign the papers, sell the product, and keep the relationship going because that is what brings in more money over the years.”  Yes, I do have a number of financial professionals who I believe are great with clients while keeping corporate America happy.  It can be done.  It just was not what was right for me with my clients!  

So, today, in 2017, I am rededicating myself to the concept behind Empower Excellence, and that is helping clients learn how to make financial decisions all across the spectrum.  This can be from choosing the right financial professional to understanding what decisions are necessary through various financial transitions  to do what it is a client wants to do:  enter a relationship, leave a relationship, create the right career path, change career paths, how to work with aging parents in the final years of life to leave a legacy, and more.  I do not work alone; I work with many different areas of professionals, and that is also part of my success.  I do not know all of the answers; but I do now most of the questions that need to be asked about money throughout a person’s life.

Knowing the questions and setting a client out on the right path can make a world of difference with them and their money, and that is just a part of what I do.

And, I am working with an increasing number of clients in 2018 with client slots being booked currently.  Please do not hesitate to call me, I do call you back, and I begin with a 30-minute complimentary consultation.  It is all about finding the right path for you and your money.

Janice Marie Litterst

440-670-2252

janicelitterst@gmail.com 

living in the NOW, finding peace…

Present Moment

The times we are in are a changing to put forth a sentiment from Bob Dylan.

Michael Moore has declared that we are in the midst of a domestic coup…

What to do?  What to think?  Speak? Be Quiet?  What to do?

Be happy.  What is happening is underway.  It is the result of many years of many behaviors.

I am of the mind of Brian Swimme and The Powers of the Universe…we are in a cataclysmic period.  It is not the first, nor the last in the history of The Universe.

History provides much reference, not necessarily in the United States, but it is still history.  A President has been elected.  He is my President as a matter of fact, but he is not my President as a matter of head, heart, and soul.  Will history deliver him as a subject of impeachment?  Or will corporate America become the Citizen of the Year?  When you elect a Corporate “mogul” with corporate friends in all sectors of influence, you get corporate America as a prime beneficiary of new policies.  When you elect a bigot, you get policies reflecting that.  When you elect a sexual predator-type, you get that.  What did everyone expect?  You got what the culture of America–only in some sectors, but they are the sectors with the resources to elect a Donald Trump–reflects today.  You got what you wanted, or so you thought.  I am using “You” in reference tot hose who voted for their President.  Only now, not even they are sure that they like what they got.

Enough.  We are in this mess for at least 4 years no matter what.  Donald Trump will not go down without major warfare in this country.

Michael Moore is right as usual.

So, my plan is to continue to live in the moment.  My Plan is to find a way to be happy every moment of every day.  My plan is to find a way to love everyone who crosses my path.  I was born happy–we all are.  I will live happy.  I will continue on my Spiritual path, and I hope many join me.  I will not “fight” for anything at this time for “fighting” is not productive.  I will be happy.  I will continue to do the next right thing.  I will “be”.

Receiving 1,001 Likes on “empowerexcellencewithjan”?

Love and Light

So much to happen in one morning…I learn that I have reached 1,000, actually 1,001, “likes” with this blog.  Interesting!  Yes, I have surrounded myself with people who relate to what I share.  But that is one of the most interesting things about me–I am a boat rocker, I am a disrupter.  That is not always popular with people who believe in “rules”.  The formation of my company was a boat rocking process.  I not only left government and corporate America over the years of my career, but I struck out with a concept that few think about much less act upon.  I help people think differently about money…and, yes, people do regain their footing with their money working with me.

This is not rocket science, but it is a gift from the Universe to go where no one else goes when talking about money and wellness with money.  This ain’t no bank talk; this is Universe talk; this is spiritual talk.  This is hard talk.  

But I do learn from every client.  And I continue to disrupt unless I would be disrupted.  It is that simple.  And today is a turning point where I am about to launch webinars to educate family law attorneys and estate planning attorneys on how I can save them time, money, and stress while working with their clients living through life transitions.  I am the expert on the money transition; they are the legal experts.  We work and walk hand in hand with the clients through transitions…

FOUR YEARS AGO, THIS WAS A MOONSHOT…today it is the launch!  So appropriate for the upcoming Fourth of July!  No fireworks, just more freedom for folks with their money!

janicelitterst@gmail.com

empowerexcllencewithjan.com

No Matter What…

Decide Commit Succeed

Yes, I am talking to you, and I am talking to me!  Several years ago I made a decision to leave corporate America and begin my own company to work with people and their money decision making.  It has been an interesting trip.  Every day it is an interesting trip…

Yes, I make a commitment every day to be as committed as I can be.  In turn, I prefer and carefully choose clients that display a sense of commitment to energizing and transforming their money decision making life.  Some are more committed than others; those who are committed find a resolution to what they are seeking.  There are different paths folks want to take:

  • To gain control over how much money they could make.
  • To gain control over the hours they spend making that money.
  • To open up a new passion in their life.
  • To have an impact in their life.
  • To gain personal power.
  • To work less, get more done.
  • Rethinking their “expertise”.
  • To successfully change careers.
  • To “Sparkle”!
  • To Find their Vision.
  • To find their personal value.
  • To find their purpose.
  • To be in nature.
  • To stop living for deadlines.
  • To take a flying leap of faith.
  • To build a legacy.
  • To save the environment.
  • To turn a setback into a success.
  • To regain motivation

 

You may have noticed, few people really work with me to become rich.  There is a reason for that.  Money affects control, time, passion, impact, power, productivity, expertise, careers, vitality, vision, value, purpose, environment, risk, success, and motivation.

So what have you decided to change in your life?  What commitment level do you have?  

Success comes when the decision is made, the commitment is made, and the behavior is there to be successful…

 

janicelitterst@gmail.com

empowerexcellencewithjan.com

What in the Hell is EMPOWER Excellence?

cropped-empower-excellence-logo_no-text.jpg

Sorry for the profanity, but I am only saying this because when people see my logo, and then they hear my company name, they may not say it, but they are thinking:  “What in the hell is EMPOWER Excellence?”

It was not meant to be confusing, and it is not something I want to change, for this is my story of my company.

Step by step, trying not to be boring, story by story, here is what EMPOWER Excellence really is.

If you prefer the short version:

EMPOWER Excellence came into reality when I realized corporate America in the field of financial services really cared.  Not about the clients, not about the employees, not about the communities, not about the environment, not about the poor, not about the hungry, etc. etc.

What corporate America in financial services, and in all areas, cares about is the bottom line and the shareholders or investors.  To come to their defense, they have to in order to continue their existence–no dollars, no business.  

And, yes, today there are “B” corps, there are “socially responsible” companies, “social enterprises”, and more.  I am all of those, but I really want to help “people” find their relationship with the barter of centuries–money!  And that takes time when you are not making money for the corporation.  Bad!  

So, armed with faith, some money in my retirement, and a whole lot of energy, I took on the latest corporate partnership I was in.  Edward Jones.  

My time with Edward Jones — 6+ years — was not empowering.  It was the impetus for me to move forward with what was to become EMPOWER Excellence…

Stay tuned…tomorrow…

HOW TO BECOME DISEMPOWERED AS A CLIENT AND AN EMPLOYEE OF A “MAIN STREET” WALL STREET FIRM!

http://www.empowerexcellencewithjan.com

Keep Doing The Work, and the Flow Will Follow…

i live in my own little world...

I ENTERED MY OWN LITTLE WORLD OVER TWO YEARS AGO ALTHOUGH THERE ARE PEOPLE WHO WOULD SAY I HAVE BEEN IN MY OWN LITTLE WORLD FOR MY WHOLE LIFE, AND THEY WOULD BE RIGHT.  I TRIED FOR YEARS TO FIT IN, TO MARCH TO THE SAME DRUMMER AS MY PEERS, BUT IT NEVER WORKED, AND IT WILL NEVER WORK BECAUSE I HAVE LEARNED THAT I AM AN ENTREPRENEUR.

NO, I AM NOT ANTI-SOCIAL, ALTHOUGH I AM AN INTROVERT WHO DOES WELL BEING AN EXTROVERT.

I WALKED THE EDGE OF BEING A COMMISSION BASED FINANCIAL PLANNER, BUT THAT WAS ALMOST NOT GOOD EVEN THOUGH I DID ACQUIRE A FANTASTIC FINANCIAL BACKGROUND.  AND I WAS GOOD AT WHAT I DID, BUT BEING GOOD I CARED A LOT ABOUT MY CLIENTS AND THAT DOES NOT FIT WELL IN THE CORPORATE WORLD!

SO NOW I HAVE WORKED MY YOU KNOW WHAT OFF FOR OVER TWO YEARS, AND, YOU KNOW WHAT, THAT HARD WORK IS PAYING OFF.  WITH THE NEW MOON EARLIER THIS WEEK FOR ME IT HAS BEGUN A CASCADE OF OPPORTUNITIES FOR MY BUSINESS.  I MEAN WONDERFUL OPPORTUNITIES , AND, YES, I HAVE TO CONTINUE WORKING VERY HARD, BUT THIS IS ACTUALLY FUN WORK, FOLLOWING MY PASSION AND MY LIFE MISSION AND HAVING PEOPLE BEGIN TO “GET IT”.

so no matter what your business is, or even your business idea, believe in you, follow your passion, find your mission, and find yourself in your own little world!

AND FLY!

Butterflies Abstract

WWW.EMPOWEREXCELLENCEWITHJAN.COM