With the recent time change, many of us have been resetting clocks and routines for the season ahead. It’s a good reminder that even small shifts can make a real difference—especially in how we think about money.
Most financial conversations focus on performance—returns, market swings, retirement timing. Important topics, but sometimes that focus on numbers misses the real question: What’s it all for?
Before any financial move, pause and think about purpose. Too often, saving becomes a habit instead of part of a larger plan. Accounts build out of fear of running out, followed by worry about how to grow them faster or pay less tax. The goal isn’t just growth—it’s long-term protection. The key is making sure loved ones aren’t left with hard or costly choices when it comes to your care. As Albert Einstein said, “We cannot solve our problems with the same thinking we used when we created them.” Real progress begins with that change in perspective.
With open enrollment underway, it’s a great time to review not just benefits, but intentions. And if a conversation would help, let’s talk.
Chris Perme may be reached at 330-527-9301 or cperme@financialguide.com, www.permefinancialgroup. com.
Christopher Perme is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services,LLC. Member SIPC. (www.SIPC.org) Supervisory Office: 1956 Carter Road Suite 200, Cleveland, OH 44113. 216- 621-5680. Perme Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.
