November 19, 2019
Listen as Commerce Trust’s Client Care Specialist Connie Moore discusses meeting your future self and applying a similar structured plan to your health and wellness goals just as you would your financial goals.
Below is a transcript of the episode, edited for readability. A downloadable copy is available at the bottom of the page.
Chris Schildz: Thank you for joining us today. This is another edition of Conversations with Commerce Trust. We have Connie Moore with us again today. Connie, welcome. How are you?
Connie Moore: Good morning, Chris. I'm wonderful. Thank you.
Chris Schildz: Connie, you've come up with a unique topic for us this time, and it's called meeting your future self. And, to help make that happen, you have a plan put together to help people think about this in their 30s, 40s and 50s in advance. Tell us a little bit about it.
Connie Moore: Well Chris, I've yet to hear anyone say, "Oh gee! When I grow older I want to go to a nursing home." So, presuming that independence and health is important to a person as they age, the sooner they start on their plan, the better.
Chris Schildz: I think I hear you saying to become the best you in the future, you really need to start early.
Connie Moore: That's correct. We don't really have a super shiny silver DeLorean like they did and Back to the Future. But, we have something even better. We have ourselves. We can formulate a life plan that gets us where we want to go.
Chris Schildz: Connie, how do you get a handle on that and get it down on paper.
Connie Moore: Well Chris, oftentimes the only reference point to aging we have is those people around us, our parents, our grandparents, aunts, uncles, cousins, even neighbors. And, we observe that some age very well, some age fair, yet others age very poorly. But, what are the differences, and why are there differences?
Chris Schildz: Can you give us some specific examples?
Connie Moore: Well, in our culture we often think that in order to grow old, we must grow ill. And unfortunately, that happens quite often. But, that does not have to be the case. And so, what we like to encourage our clients to do is to think about three things. One is what they do not want in their life. Number two, what they do want in their life. And number three, what they are willing to do to get there. So, we encourage people to write down their goals, just as they would a financial plan. We have a health plan, educational plan, financial plan, why not a life plan?
Chris Schildz: You have a large client base at this time, and folks come to you to walk through this. Can you give us a successful example?
Connie Moore: Well, I can. We had a client. And, when he was 60 years old, he realized that he had always enjoyed gardening. And, he said, "You know what? I'm going to retire when I'm 65. And, I'm going to take gardening classes. I want to be a master gardener." And so, he started really diving into a master gardening program. And, by the time he retired, he achieved his goal. He was a master gardener. And, he took his newly acquired skills and he went on to volunteer in the community.
Chris Schildz: Now, you may also have some other examples as well too. But, it seems like folks follow a Mediterranean blue zone diet, to say that's one way to do it. We know you're not a physician at this. But, you do help people step through, or walk through, various scenarios where they can improve their senior years. So, tell us a little bit more about that as well.
Connie Moore: Well, we are not health experts. However, we are very well connected within the community. And, we know so many wonderful professionals. And, we connect them with our clients, and they also help them navigate their journey.
Chris Schildz: You found, in your job, that it's been helpful to folks who've come in, and look at an overall plan for their senior years, and do it in advance?
Connie Moore: Absolutely. And, we look at decades. And, we assign a vision per decade, and steps to achieve that vision. When we look at people in their 20s, 30s 40s and 50s, they are primarily focused on education, starting their families, raising their families, developing their careers and empty nesting. But, what about those in their 60s, 70s, 80s and even 90s?
Chris Schildz: So, we have to consciously choose, and make the right steps early on, so that we can visit the museum, climb the mountain, go skiing. But, we have to plan ahead.
Connie Moore: Absolutely. Actually, this is a call to pause, and think about what you do not want, what you do want, and what you are willing to do to make your visions a reality, so that as the years roll by, and you are looking in the mirror, meeting your future self, you really like that person looking back at you.
Chris Schildz: That was Connie Moore in a how to get to our future selves. Connie, thank you for the session today.
Connie Moore: Oh! Thank you.
Chris Schildz: The risk of loss in securities and other investments can be substantial. You should always carefully consider whether investments either entered into directly by you, or through commerce trust, or any financial institution on a discretionary managed basis is appropriate for you, in light of your investment objectives, financial circumstances, tax status, your tolerance to risks and your investment experience. In considering whether to trade or invest, you should inform yourself and be aware of the risks generally. Non-depository investments offered in connection with Commerce Bank are not guaranteed, are not FDIC insured, and as noted earlier, may lose value.
Any information provided as for the purpose of general education, information or illustration only, and is not to be treated as the opinion of Commerce Trust, or Commerce Bank as a recommendation on any future investments or market behavior. Providing this information, which may be a value to you or others in the general audience, shall not detract from an investor's responsibilities to take all such steps, and make all such inquiries, as may be necessary or desirable to ensure that you fully understand and are familiar with any potential future investment.
Neither Commerce, nor any of its officers, employees or agents have made any recommendation or given any advice as to the terms and profitability of any investment or market activity, which may be referenced here. Accordingly, you understand that you are, and shall at all times be fully responsible for any investment transaction you choose to enter into, and that you shall not have relied on any of the following information from Commerce as a basis for an investment decision.
Please also note that Commerce does not offer tax, legal or specific estate planning advice. And, while we may provide information or express general opinions from time to time, such information or opinions are not offered as professional tax or legal advice. If you are in any doubt about the risk involved in any trading or investment arrangements, or you are uncertain of or have not understood any aspect of the risk disclosure statement, you should seek independent professional advice.
Markets, economic forecast and specific investments can change from time to time, based on a variety of individual, interrelated or complex factors of varying degree. This disclosure statement cannot of course disclose all the risks, and other significant aspects of investments, economies, or markets in which you may elect to transact from time to time. You should therefore carefully study relevant investment arrangements in advance of making decisions regarding investing.
Listen as Commerce Trust’s Client Care Specialist Connie Moore discusses meeting your future self and applying a similar structured plan to your health and wellness goals just as you would your financial goals.
Non-depository investments offered through Commerce Bank are not guaranteed, are not FDIC insured, and may lose value. Investing involves risk and the information provided here as well as the past performance of any investment obtained through Commerce Trust is no guarantee of future results. information provided is for general education, information, or illustration purposes only, may be of value, but is not and should not be viewed or treated as a recommendation on any future investment or market action. You are responsible for any investment transaction you choose to enter into, and understand that the following information from Commerce is not to be relied upon as a basis for any future investment decision. This disclosure statement cannot disclose all risks of investments, economies or markets in which you may choose to transact. Therefore, please consult with your individual investment advisor for specific investment advice and recommendations. Commerce does not offer tax, legal or specific estate planning advice.
Below is a transcript of the episode, edited for readability. A downloadable copy is available at the bottom of the page.
Chris Schildz: Thank you for joining us today. This is another edition of Conversations with Commerce Trust. We have Connie Moore with us again today. Connie, welcome. How are you?
Connie Moore: Good morning, Chris. I'm wonderful. Thank you.
Chris Schildz: Connie, you've come up with a unique topic for us this time, and it's called meeting your future self. And, to help make that happen, you have a plan put together to help people think about this in their 30s, 40s and 50s in advance. Tell us a little bit about it.
Connie Moore: Well Chris, I've yet to hear anyone say, "Oh gee! When I grow older I want to go to a nursing home." So, presuming that independence and health is important to a person as they age, the sooner they start on their plan, the better.
Chris Schildz: I think I hear you saying to become the best you in the future, you really need to start early.
Connie Moore: That's correct. We don't really have a super shiny silver DeLorean like they did and Back to the Future. But, we have something even better. We have ourselves. We can formulate a life plan that gets us where we want to go.
Chris Schildz: Connie, how do you get a handle on that and get it down on paper.
Connie Moore: Well Chris, oftentimes the only reference point to aging we have is those people around us, our parents, our grandparents, aunts, uncles, cousins, even neighbors. And, we observe that some age very well, some age fair, yet others age very poorly. But, what are the differences, and why are there differences?
Chris Schildz: Can you give us some specific examples?
Connie Moore: Well, in our culture we often think that in order to grow old, we must grow ill. And unfortunately, that happens quite often. But, that does not have to be the case. And so, what we like to encourage our clients to do is to think about three things. One is what they do not want in their life. Number two, what they do want in their life. And number three, what they are willing to do to get there. So, we encourage people to write down their goals, just as they would a financial plan. We have a health plan, educational plan, financial plan, why not a life plan?
Chris Schildz: You have a large client base at this time, and folks come to you to walk through this. Can you give us a successful example?
Connie Moore: Well, I can. We had a client. And, when he was 60 years old, he realized that he had always enjoyed gardening. And, he said, "You know what? I'm going to retire when I'm 65. And, I'm going to take gardening classes. I want to be a master gardener." And so, he started really diving into a master gardening program. And, by the time he retired, he achieved his goal. He was a master gardener. And, he took his newly acquired skills and he went on to volunteer in the community.
Chris Schildz: Now, you may also have some other examples as well too. But, it seems like folks follow a Mediterranean blue zone diet, to say that's one way to do it. We know you're not a physician at this. But, you do help people step through, or walk through, various scenarios where they can improve their senior years. So, tell us a little bit more about that as well.
Connie Moore: Well, we are not health experts. However, we are very well connected within the community. And, we know so many wonderful professionals. And, we connect them with our clients, and they also help them navigate their journey.
Chris Schildz: You found, in your job, that it's been helpful to folks who've come in, and look at an overall plan for their senior years, and do it in advance?
Connie Moore: Absolutely. And, we look at decades. And, we assign a vision per decade, and steps to achieve that vision. When we look at people in their 20s, 30s 40s and 50s, they are primarily focused on education, starting their families, raising their families, developing their careers and empty nesting. But, what about those in their 60s, 70s, 80s and even 90s?
Chris Schildz: So, we have to consciously choose, and make the right steps early on, so that we can visit the museum, climb the mountain, go skiing. But, we have to plan ahead.
Connie Moore: Absolutely. Actually, this is a call to pause, and think about what you do not want, what you do want, and what you are willing to do to make your visions a reality, so that as the years roll by, and you are looking in the mirror, meeting your future self, you really like that person looking back at you.
Chris Schildz: That was Connie Moore in a how to get to our future selves. Connie, thank you for the session today.
Connie Moore: Oh! Thank you.
Chris Schildz: The risk of loss in securities and other investments can be substantial. You should always carefully consider whether investments either entered into directly by you, or through commerce trust, or any financial institution on a discretionary managed basis is appropriate for you, in light of your investment objectives, financial circumstances, tax status, your tolerance to risks and your investment experience. In considering whether to trade or invest, you should inform yourself and be aware of the risks generally. Non-depository investments offered in connection with Commerce Bank are not guaranteed, are not FDIC insured, and as noted earlier, may lose value.
Any information provided as for the purpose of general education, information or illustration only, and is not to be treated as the opinion of Commerce Trust, or Commerce Bank as a recommendation on any future investments or market behavior. Providing this information, which may be a value to you or others in the general audience, shall not detract from an investor's responsibilities to take all such steps, and make all such inquiries, as may be necessary or desirable to ensure that you fully understand and are familiar with any potential future investment.
Neither Commerce, nor any of its officers, employees or agents have made any recommendation or given any advice as to the terms and profitability of any investment or market activity, which may be referenced here. Accordingly, you understand that you are, and shall at all times be fully responsible for any investment transaction you choose to enter into, and that you shall not have relied on any of the following information from Commerce as a basis for an investment decision.
Please also note that Commerce does not offer tax, legal or specific estate planning advice. And, while we may provide information or express general opinions from time to time, such information or opinions are not offered as professional tax or legal advice. If you are in any doubt about the risk involved in any trading or investment arrangements, or you are uncertain of or have not understood any aspect of the risk disclosure statement, you should seek independent professional advice.
Markets, economic forecast and specific investments can change from time to time, based on a variety of individual, interrelated or complex factors of varying degree. This disclosure statement cannot of course disclose all the risks, and other significant aspects of investments, economies, or markets in which you may elect to transact from time to time. You should therefore carefully study relevant investment arrangements in advance of making decisions regarding investing.