Your RADIANT Life & Money Show

Investment management is one of my favorite topics!  The second is taxes..There are 2 big myths about how financial advisors manage a client's investment that are good practices for you to follow when building your own portfolio:.1.  Think like an investor (hold investments for the long term) and not like a trader (hold investments for the short term). 2.  Do not create a portfolio of random stocks.  Use Exchange Traded Funds (ETFs), or Mutual Funds instead to diversify the investments between equity and fixed income..How to build your investment portfolio?.The easiest way is to get a target date fund.  Everything that needs to happen occurs behind the scenes just by owning the fund. It's a great way to go!.But if you do want to take it up a notch and create a diversified portfolio with equity and fixed income then the first thing you'll need to know is your risk tolerance to investing.That's done by getting a Risk Tolerance Questionnaire.  The outcome will be your risk tolerance (High, Medium-High, Medium, etc) and that will correlate to the type of split your portfolio should be at (80% equity/ 20% fixed income, 70/30, 60/40, etc).If you can't find a questionnaire, send me an email and I'll send over what I use with my clients. We'll go over your results and what type of portfolio it correlates to.Randa@RADIANTWealthPlanning.com********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Retirement planning is one of the most common things a financial advisor helps with..What would your answer be to   "At what age do you want to retire?"  The typical answer would be when a person can take their social security at the Full Retirement Age..Now, what would your answer be to  "When do you want to make work optional?"   This answer could be totally different, and if it is, I want you to use the younger age for planning..Now that you have a target age to retire, the next thing you need to know is how much will you need in income every month.  The easiest way to start is based on how much you're getting every month gross..This doesn't mean that this is the full amount coming out of your investments,  because social security, pension, rental income, or any other sources of income will help.  The difference between what you want and what is not covered from these sources of income is what will be coming out of your investment account every month..Two calculations you'll need to do:1.  How much you'll have when you retire2. Take that amount and see if that will be enough.If what you're doing will accomplish your retirement goal, then that's amazing.  If it doesn't then there are 3 variables you can modify:1.  Retire later2.  Spend less in retirement3.  Save more ********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Now that you know what you want to accomplish, what do you do with them?.I want you to put your goals in priority order and number them.  The reason you want to do this is to help you prioritize where your dollars go..Also if something out of the blue comes up, that wasn't planned for, you'll be able to ask yourself if spending money for this unplanned call is worth not you achieving the top three goals that are so important to you. .Now that you know how much cash you have at the end of the month you can allocate dollars starting with your most important goal. .Next, I want you to go to a retirement and savings calculator to see if you're on track to meet your goals. Are you saving too or not enough money?********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

When I got divorced in 2016 I remember telling my therapist/energy healer that I didn't know what gratitude felt like.  That was a massive epiphany!.So how did I go from not feeling gratitude to feeling it? .I started by putting my hand on my heart and feeling the pressure on my heart space.  I started small like feeling grateful for things that didn't depend on a person or money, or anything that would throw me off (energetically).  I was grateful for my arms to be able to do things.  I was grateful for my sight to navigate my surroundings..The feeling of gratitude is powerful!  The feeling creates energy that shifts life around you in your favor, even parts of your life that aren't going as well will also start shifting..I feel gratitude as energy flowing through my body to my heart chakra, and then that deep calm grounded feeling of love for whatever it is I'm thinking about, it could be a person, situation/ event/ experience, or thing..How would you describe the feeling of gratitude?********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Today's show is the 3rd episode of the DIY Financial Planning series,  and it's about writing down what a fulfilled life looks and feels like for you.If you're not really clear about your goals,  or if you want to get a deeper answer look at episode 3 for the guided visualization.Once you have an idea of your goals WRITE THEM DOWN! If there is one thing you take away from this show is that.  Why is writing down your goals (on paper or electronically) so important?   Because we have free will and Infinite Intelligence (God, Higher Self, Angels, Divine, the Universe) whatever it is you connect with, cannot interfere with our free will until we ask for it,  and writing it down is a way of asking.Writing it down is a form of manifestation;  first is the thought.Here's a simple layout:-- Career-- Experiences (ex: travel, learn to play golf)-- Material (ex: buy a home, buy a car).The only constant thing is change,  so give yourself permission to change your goals as life ebbs and flows.Finally,  if you have a strategy please run it by a financial planner that charges hourly (like RADIANT Wealth Planning) to make sure that you have all the tips, tricks, and tweaks to make sure you're set up for success.  Don't assume you're all-knowing!********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Here's a question to ponder . . . .If you knew that when you died there will be a review of your life, not of what you've accomplished, but of how you've made people feel.  How would that change your interactions?.I'm not talking about how you open doors for little old ladies, or the compliments you give, of course, that's part of it, but there is something deeper. That something is your energy and how it makes others feel.Do you uplift people when you directly interact with them by bringing your bright loving light to the interaction? Did you make them feel amazingly whole when you were together?.Do you walk into a room and people's spirits get lighter and more joyous?.You have no control over how other people feel, show up, behave, or anything else, but you do have control over how bright and beautiful you want to shine your loving, compassionate, and kind light..Shine your warm loving heart light so others can remember that they have that same light within them.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Part 2 of the DIY Financial Planning series is related to budgeting, but this is not the type of budgeting where I tell you to stop drinking your daily late.Now that you know where you're money is flowing to I want you to look into each of those categories to see if there are dollars being spent that aren't a value add.  For example, noticing that you buy more groceries than you use and toss a lot of them away.  Or keeping a cable subscription but you rarely watch the channels..None of these are a value add to you, they don't add value to your life so do something different..The goal is to be able to reduce your monthly expense by $100 and put it towards a LONG-TERM goal.  This is the most important part!  It has to be long-term because we have plenty of instant gratifications that we forgot to learn how to build up a tolerance to saving for a goal that you won't experience for years in the future..For example, take the $100 and put it in a Roth IRA (if you're eligible), or save it for a vacation in 5 years.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

We kick off the DIY Financial Planning series with Cash Flow;  where is your cash flowing to once it comes into your account?.I know, this is not very exciting and maybe daunting to do, but it's so necessary!  Not to make you feel bad about how you spend your money, but to manage the money that comes to you..Money is hard-earned and it likes to be managed, that is a sign of appreciation for it and gratitude, which means you'll get more of it..There are several benefits starting with Cash Flow:1.  You'll see subscriptions you no longer use but have forgotten to cancel2.  You'll see categories of spending and their amounts3.  You'll change what's not important to you.Micro-Actions  -->  Week 11.  Download activities from all accounts for 1-4 months in CSV (Excel) format2.  Put all activities into one spreadsheet.Micro-Actions  -->  Week 21.  Download the Cash Flow Analysis Template2.  In the spreadsheet put the category name. For example, Groceries, Dining Out, or Shopping3.  Sort the spreadsheet by the category column and sum up the dollars related to each category and put it in the template.Did you see any patterns?  Any spending that doesn't resonate with who you are today?Cash Flow Analysis Templatehttps://mailchi.mp/radiantwealthplanning/cashflow********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

 I've done a lot of shows on having a radiant life, I want to now balance it out with having radiant money. .When you work with a financial planner they'll typically do the investments but they also do planning so you can get those financial goals, or better said,  goals that need finances accomplished.  You can do your own financial planning but it does take a commitment and knowledge on your end. .Financial planning is continuous work because there's so much that can be done, it's not something you could do over a weekend.  Give it a year and even then life will change things on you. That's why it's financial planning, not a financial plan! .Don't let that be daunting, because I'm creating a series for you to follow along with and to take micro actionable steps. .And here's the icing on the cake, once a month there will be a live Instagram session to answer questions on topics that were covered in the month.  So email your questions or put them in the post, and of course, attend the live session ask your questions then. .The financial planning topics we're going to talk about in this series are -  investment management  -  cash flow  -  debt management  -  tax planning  -  goal planning  -  risk management  -  retirement planning  -  educational planning  -  legacy planning. .Get ready because I'm going to make this fun!********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

I've heard a lot of people say that they've recently gone through, or are going through, a spiritual awakening and that makes me so happy!.What does that mean?  It means that we tapped into ourselves, our spirit, the source part of ourselves, and if you're lucky, it will shine a light on your ego, insecurities, and beliefs that are limiting your ability to show up and be the person you intended to be when you came to earth..These limiting beliefs keep you small. It might have been something you've seen a parent do, or it might have been something you've developed to protect yourself..But now is the time to shed that layer!.Do you have a limiting belief about money that sounds like this?"Money is evil", "loving money makes you greedy", or "money doesn't grow on trees"?.Take a step back and ask yourself what do you believe when you read that. Ask as if you're asking your friend and you're truly curious what they have to say. You're not judging the answer, you're just observing what comes up.. Money likes to be appreciated, so when you have a belief that money is evil then you're limiting your opportunities, not just to be rich, but opportunities that require an exchange of energy (your work in exchange for money, which is also energy)..For some of you, going through a spiritual awakening is like going through a thunderstorm, and how exciting is that!  What an opportunity to see how you've been operating and a chance to upgrade..If you're interested in seeing what patterns you have, and how to work past that, then check out the 6-Month Journey. ********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

This is the year to take action towards the life your heart is tugging you towards..Whether you know exactly what it is you want to do, or you have an idea of in what field interests you or you have no idea at all. In every scenario, you can take action and even financial action. .Starting something new and being confident about your finances will put your mind and psyche at ease. It's going to give space for creativity and not fear; space for ideas, to follow your intuition, and to have fun..I know how it feels to be crippled with financial fear. It sucks! It blocks all solutions, so it's really backfiring..BUT.There is a silver lining, it puts your butt in overdrive to figure it out, to be resourceful..And the most beautiful thing that comes out of it, is how proud you'll be of yourself because you were so freaking resilient and didn't give up..This is a time for planning. If you don't know what you're planning for, let's do a 6-Month Journey with the help of your intuition and Guides to create inspired steps..Let's look at your finances and plan how you can feel more confident when you take the next step..Reach out to people that are your cheerleader and ONLY those people.  DO NOT share your ideas, inspirations, and dreams with people who have a response that squishes what your heart is calling you towards, or are wanting you to stay small because of their own issues..Let's get goings!  Let's get Planning!  And let's start living authentically to who we really are! ********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

The way a person defines spirituality comes in so many ways.  What does it mean to be spiritual is so personal and is based on the journey the person has been on and where they're at, at that time..I see being spiritual as having two components;  dropping the ego, and consciousness awareness..What exactly is the ego that we need to drop?  It's when we feel superior, or proving something (like knowledge and self-worth).What looks like ego but isn't? Self-love and self-worth..When I talk about consciousness awareness it's taking a step back from our human-ness (which is a micro view of looking at things) and see things from a macro view.  We are so much more than what we're doing, and there is so much more going on that we aren't aware of, but what if we become aware of our consciousness. The bigness and wholeness of who we are (the Universe)..That to me is spirituality!********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Happy February Love

When you read the title what do you think? .Do you feel a tightness in your chest?  Or any feeling or thought against that statement? I'm not talking about worshipping money or putting it on a pedestal, or any kind of egoic kind of love. .Think about something you love whether it be your pet or child and notice how your heart opens up and the barriers come down.  You can just feel your heart opening up, now say to yourself out loud "I love money," do the barriers come up? Does your mind say "no you don't.".Today's show includes a short little meditation and how to see money in a different way; in a way that you can love it and give it gratitude.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

I've mentioned a guided visualization before and shared it in Episode 3.  If you've done it,  you're probably wondering what's next.It's great to have this deep insight given to you by your Elder Self,  the you that is 97 /98+ years old.  The You that has lived a life following his/her heart's calling and soul's mission.  So what do you do with that information?1.  Write it all down!  This was a gift that we must honor by writing everything down.  This includes how you felt,  how your Elder Self felt,  the surroundings, etc.2.  Next, write down the obstacles you feel you have to accomplish this life that your Elder Self lived.   Please remember, that you're Elder Self had so many years to accomplish this and you're not going to do it in a few short years.3. The third category to write down is what keeps you up at night.  This seems like an oddball to add but you'll start seeing patterns.4. Go back to the list where you wrote down the life your Elder Self lived and pick one thing that stands out. And ask yourself questions you would like an answer to by starting with the phrase "Did my Elder Self share..."  For example "Did my Elder Self share how many employees were working at this company she built?",  "Did my Elder Self share in what career he was involved in?"5.  If an answer doesn't come to mind then you're Elder Self didn't share an answer to that question,  and that's ok!  The more you visit your Elder Self the more information will be shared, and different information as well.   Your Elder Self only shares what you're ready for, and sometimes won't share anything at all because it's something you need to experience on your own.6. See you if you can group common themes.  These could be themes of what you're desiring for your life to look like or themes of emotions or beliefs that are holding you back.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Looking back at the episodes that have been released, Ep 2 -  Merging spirituality and financial planning, has been the top show listened to and viewed on YouTube.  So there's something there, there's a curiosity about the coming of these two.  So let's expand on it a little more..If you've worked with a financial advisor before the first question you've probably been asked is "when do you want to retire?" And then "what goals would you like to accomplish?".Have we all been born to have the same goals?!?! To retire at 65, and then start living the "dream life", and maybe along the way buy or renovate a home, buy a car, send the kids to college, and go on vacation..This is what Spiritual Financial Planning is . . . it's finding out the theme for your existence (your soul's purpose) by doing the visualization that I guide you on (see episode #3), and then creating a Journey Map with financial and non-financial steps to get there..Let me make it real. . .  let's say Sally met with a traditional financial advisor and the first thing she's asked: "when do you want to retire, Sally?" This is a retirement planner.Now let's say Sally and I met, we start with the Guided Visualization and we find out that she wants to make work optional in 5 years (not 25!) and has a heart's calling to set up a non-profit for injured guineapigs.  .Very different approach to financial planning! Once is the cookie-cutter, and the second is living a life that will fill your heart with joy when you're 97, 98, or older.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

I want this year to be the year that changed your life. .Why do I care so much about you? Someone I never met? Because the better you are the better humanity is.  I care about your heart and the light that shines from there. The more your light shines the more it helps humanity. .You could be intentional in how you help others with your light, and your divine light will help people without you knowing of it..So what is this like I speak of? haha   Imagine light in the middle of your chest and how you feel it is unique to you.  Mine feels expansive, bright, love, and joy. .How do you make your light shine bright?  Here are a few tips and tricks. Think of 1-3 fun things that you say you want to do every year but it never happens.  Is there a road trip in your state you always talk about? Then think of 1 thing you think about frequently that's heavy on your heart and you know should get done, like talk to a financial advisor hahaFor the fun thing, I want you to visualize it playing out.  This is not supposed to be a big task, do it in the shower or sitting down on the couch while you're having your coffee. Imagine yourself packing the car,  people coming together and getting ready, reaching your first destination and getting out of the car and stretching your legs. Next, write down one micro-step to be done no later than a week. A micro-step for the road trip example would be an idea of where the first stop would be. This is not making a decision! It's just thinking about ideas.I want you to do the same thing for the topic that's heavy on your heart.  A micro-step for reaching out to a financial advisor would be thinking if you want somebody in your town or anywhere in the nation.  It's not making a decision it's just posing the question to yourself and thinking of that.Do this every week and by the end of 3 months, you would have accomplished so many micro-steps that make your heart smile and shine.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Happy New Year!.Here we are, about to start another new year,  and if you're anything like me I always feel like a new year is a fresh start for something amazing..Are you ready to make 2022 the year that changed your life?  In a good way that is haha..Your energy creates life,  so if you don't like the life you have, or you're wanting to make it a tad better,  then it's your energy you need to work on to start.  How is your life, is how your energy is.. What makes up our energy, well it's our thoughts, beliefs (conscious and unconscious), and feelings.  A great way to learn your subconscious unconscious beliefs is to journal.  Before you roll your eyes hear me out....Find one day a week where you can journal and can be consistent, for me it's Sunday mornings. Journal as long or short you want,  with only thinking what has gone on in the past week.  You can write about anything, what happened during the week, how you felt about it, what bummed you out, or what amazed you.  It doesn't matter, as long as you write once a week and it's only for the past week..Then once a year read all the journal entries and write a synopsis entry. I do this from Christmas to New Year. .What about this is so powerful?  When you read the journal entries at the end of the year you'll notice the tone of your energy,  even when you write an uplifting note, you might still be able to identify underlining insecurities or beliefs that you didn't even know were there..The most beautiful thing that comes out of this is seeing the growth you have gone through.   I promise you, when you recognize the growth you'll feel so proud of yourself!.Here's another part to having a fulfilled life, it takes effort!  Just like wanting to build a business but not doing anything about it won't create the business, having a fulfilled life and not doing anything about it wouldn't change anything,  and containing to do that year over year, you'll wake up one day at 90 regretting you didn't put a little more effort into living life..This is the year that changed your life because you changed.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Today's show is for the individual (not business). I cover a few tax documents that you should be on the lookout for based on things you had going on in 2021. Of course, this isn't an entire list, otherwise, we'll still be recording the show haha.If you have any tax questions, don't hesitate to reach out!********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

A lot of people have left their job to start a new business this year, if that's you here are a few things to do to have "all your ducks in a row" so that you're not scrambling come tax time, which can also save you money.Talking about taxes and bookkeeping can be intense and deep, so this show is focused on self-employed folks that are either registered with the state as an LLC or not registered at all, and don't have a business partner.1. Use a system to track your business income and expensesI would recommend using an online system like Quick Books Online, or some other tool. I personally use Quick Books Online and that's the one I'm most comfortable with, but there are a lot of great ones out there.  Why use an online version? Because you're more likely to get updates and upgraded features that can make the bookkeeping process easier.2. What expense categories should you use?  A good starting point is to match the expenses to what's listed on the Schedule C tax form.3.  Do you need to issue 1099s?Did you pay $600 or more for services?  This includes people who have an LLC and partnerships (excluding S- or C-Corporations) and is paid from your bank account, not a credit card (the credit card company will issue a 1099 if needed).  You'll need to give them their 1099 by February 1st and submit it to the IRS by March 1st.4.  Do you use your personal car for work?I'm going to highly recommend you use an app that tracks miles, but if you haven't done that this year then look at your calendar and add the miles for the places you've gone to related to your business.  Don't forget to add up the expenses for vehicle maintenance.5.  Did you use a part of your home for business?There are two ways to calculate this:  Simplified Option or Regular Method.  The Simplified Option takes the square foot of the dedicated office space x a rate that's given by the IRS to calculate the expense amount.  Regular Method is tracking each allowable deductible expense separately.Schedule C tax form (https://www.irs.gov/pub/irs-pdf/f1040sc.pdf) ********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

Have you really thought about why there is the saying "it's the journey, not the destination"?I was meditating and my Higher Self shared a deeper understanding of this saying, it was so profound it made everything make sense, and the feeling and question of "when is this goal (fill in the blank) going to happen" no longer makes sense to ask.My Higher Self explained that we came for the experience it takes to achieve a goal. The goal isn't to get to the goal solely, it's the journey to the goal we want to experience.Think of it this way... when you go on vacation you're not going to think about getting to the end of the vacation.  You're looking forward to experiencing discovering a new place, being a tourist, and doing touristy things.  Well, that's the exact same thing with life! We came to experience life along the way to the goal, and less about just accomplishing the goal.********************************************Want more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

When a client joins RADIANT Wealth Planning the first thing we do is a  guided visualization to discover what a ‘really good life' looked like from their Elder Self's perspective.  With that information, we create a JOURNEY MAP that's the foundation for financial planning and investment management.  Why is this important?   Because we're getting an insight of what a fulfilled look life looks like by tapping into their Spirit, their Inner Being, to learn what their soul's purpose is.   It doesn't matter if they're questioning what's more,  or if they have an idea of what they want to create.   What's been coming up is people wanting to do this but they're not ready, or wanting, to talk about their finances so as my soul's purpose to help humanity up-level, I'm now offering a way for us to work together, to co-create, without incorporating the finances.  The 6-MONTH JOURNEY starts with a guided visualization to create the JOURNEY MAP, but here's where the magic happens,  I'm going to ask you questions in a certain way and the answers that come to you will be inspired actions for the first month.  What's so magical about this? We're NOT creating goals and to-dos.  We're in a vibration where we can listen intuitively to know the next steps;  that's what inspired action means… to be in-spirit alignment and able to resonate with that vibration.  This is only done for your highest good in alignment with your soul's mission in this lifetime.  So this is how the 6-MONTH JOURNEY looks:1.       We first jump on an intro call to meet each other, I'll show you the JOURNEY MAP, and answer your questions.2.       We do the guided visualization, fill out the JOURNEY MAP with what your Elder Self shared with you,  and create inspired action for the first month.3.       We get together monthly (5 more times) to check-in and see how you're feeling, up the vibration and create the next month's inspired actions.  Cost  $555.  555 is an inspired number; it represents transformation and new beginnings. The angels are guiding you to shed, shift, and up-level to prepare for boundless blessings ahead.  I'm so grateful to be with you along this journey.Interested in learning more,  please schedule time for us to chat.6-MONTH JOURNEY  intro call   https://go.oncehub.com/6MonthJourneyIntroCallEP 3 ~ {Guided Visualization} Listen to the great life your elder-self lived https://bit.ly/3HKHWUL ********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC

When was the last time you decided to take a day off to ponder?  Not on a weekend amidst chores.  I mean a full day where you honor yourself and ponder where you're at in life, where you want to go, and if you're in alignment with that life, or are you just wishing for that life to happen.I've been asking myself these questions lately.  I have bits and pieces of the answers but I've never written it down clearly.  The same thing applies to the business; I have Key Performance Indicators (KPIs) that I track monthly, but I've never written down what I want to create for my career life.Starting this month I'll be doing a Full Moon Ritual.  This is an entire day off work on the day of the full moon.  Since I'll be away from my clients and business for an entire day,  I want my time to be intentional. Start with these 4 rules: Cadence - when will you do your ritual (monthly, quarterly, specific day (example: last Friday of the month, on a full or new moon, etc.)?Time - how long will you dedicate (all day, half a day, 1 hour, 30 minutes, etc.)?Don't allow interruptions - this is a time to honor yourself!Be intentional -  set an intention (agenda) for what you'll be doingThis is not a time to check out and watch T.V. or to create more "to-dos".   This is about creating a life with INTENTION by shifting and upping your vibration and having inspired action.  Inspired actions are inspiration from your higher-self.To follow the 4th rule Being Intentional, I set 2 things that I'll do every month, and the other items will change based on what I'm inspired for what I'm needing then.Have fun with this!  If you have any questions, get stuck, or want to share please don't hesitate to email me. I love hearing from you!Until next week, stay RADIANT!Full Moon Ritual template (https://bit.ly/30tpw9Q)- Example (my November full moon ritual)- Full Moon Water Ritual- A blank agenda so that you can create your ritual********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

Your RADIANT Life & Money Show's guided meditation is held at the energy vortex at Ojai, CA (it's pronounced O-high (not O-hey as I did in the video... I was so relaxed and calm I forgot the name of the place haha).Enjoy the relaxing flow from this amazing place!********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

Have you ever pondered on the question of your existence?We were born in this precise way and in this precise time on earth, and why is that?  Why did our soul want to be born right here, right now, to this mother and father?The same questions apply to your business. Have you asked the business why it wanted to be "born" here and now?Deepak Chopra said that his existence amazes him, and at the time I didn't really understand how it felt to be amazed by my existence until this day.********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

This episode is a guided visualization visiting the future you; the you that's 5 years in the future with a career that she/he loves.We're going to be asking her/him questions about this career, and then listen to what she/he would like to share with us at this moment.  You can always visit your future-self again and ask if there is anything new she/he would like to share with you at that moment that wasn't shared before.Enjoy!********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

Without putting too much thought into it, what 3 words would you use to describe feeling RADIANT?Now take one of those words and feel how it feels.The common theme with all the words that we've chosen and the way we feel about them is that we felt good. At the end of the day we want to feel good; we want to be happy.You felt good because you were in alignment with your inner-being. Your inner-being is the source of you, and magic happens when you're in alignment with that source.********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

I have a deep belief that we are all born for a reason, it's our soul's mission, some of us know what that is and some of us don't.  A great way to tap into discovering how your life is supposed to feel is through this visualization medication that you and I are going to do together.I reference a mindmap template that you can download and add what it was that your elder-self shared with you.  You'll put that information in the "Dreams" branch.Mindmap template @  https://bit.ly/3cpaXXD********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

 How do you merge spirituality with financial planning? Believe it or not, spirituality and financial planning can go together, and actually, if you want to plan for a life well-lived,  well guess what,  you really do want to include your spirit,  your soul's mission into the planning.My deepest belief is that we are all born for a reason,  whether we know our purpose or not . . . how cool would it be to create a plan (and yes a financial plan)  once you know what your heart's calling is?Financial planning on its own is kind of dry and a tad boring,  this is how it sounds . . .     If you want to retire by 65 with this much monthly income, you have to save this much a month and we need to do the investments in this way.OOOOO MMMMM GEEEE ... no wonder people don't want to talk to financial advisors!!!   BOARDING!!What if financial planning sounded more like this . . .     Visiting your elder-self and listening to him/her what about this life was so good.  Where did she/he go,  with who,  what did she/he accomplish?  With the information your elder-self shared with you, creating a plan to live that life and then infusing with the basics of financial planning.And that's the beginning of Spiritual Financial Planning.********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.

WELCOME BACK!  And welcome to our new show . . . Your RADIANT Life & Money Show!What am I up to with Your RADIANT Life & Money Show?  Well,  it's me bringing the whole of me into what I do,  and it's looking very different than what you've seen before,  and also very different than other financial folks out there.********************************************Want to get more information about RADIANT Wealth Planning?  Schedule an introductory meeting with Randa @  https://go.oncehub.com/MeetGreethttps://www.RADIANTWealthPlanning.comRanda@RADIANTWealthPlanning.comInstagram  @radiantrandaFacebook  @ /RadiantWealthPlanningLinkedIn  @ randa-hoffman-caYouTube @ RADIANT Wealth Planning, LLC.