I Know What You’re Going Through

I Know What You’re Going Through

December 05, 2023

Twenty-five years ago, Canby Financial Advisors was in its infancy, and I wasn’t all that much further away from diapers myself. Running around the playgrounds of Sudbury, MA as a 2nd grader, I knew the numbers 5, 2, and 9 but I’d be lying if I said I knew how impactful it is to put the three of them together.

As I grew, I gained greater awareness of the markets and the importance of saving for the future, but I had no idea what I wanted to do for a living when I eventually “grew up.” I studied history in college and then, like many other New England liberal arts majors, accepted my first job at a Massachusetts-based financial giant.

I remember receiving my first paychecks and feeling utterly defeated when there was barely anything left after taxes, 401(k) contributions, rent and utilities. These feelings were only exacerbated by the fact that I was living alone and that my then girlfriend (now my wife), Kathleen, was in grad school in Baltimore, a very expensive flight away.

In 2014, I joined Canby Financial Advisors as a Client Service Manager and began gaining first-hand experience working with my colleagues and our clients, all of whom were in different stages in their lives, with different concerns and aspirations. Almost immediately, I knew that I had found my calling and that I wanted to become a financial advisor.

As I began pursuing my CFP® designation, my focus on saving for flights to and from Baltimore soon changed to saving for flights and a ring.

After our wedding, Kathleen and I knew that the next step in our financial journey was to purchase a home. How hard could it be? Everyone who had come before us had been able to find their first home with ease, so why should it be any different for us? Since I was now an advisor, Kathleen and I worked on a financial plan together. We knew where we stood and where we wanted to go. We were ready to become homeowners.

Enter a global pandemic, soaring interest rates and fleeting inventory. We soon felt that buying a home was most certainly an insurmountable financial task unlike any that the human race had previously encountered. We went to countless open houses and left feeling deflated and thinking that we’d never be able to afford, let alone find, a home.

Fortunately, the search only took a couple of years and now we have moved into our new home (although we're still unpacking) and are ready to face our next financial challenge – raising a child and saving for college. Like all previous goals, right now neither of these feel attainable, but we know we will get there. We have a plan, we will be persistent and we believe in ourselves. As my late grandfather used to say, “You cannot eat the elephant in one sitting.”

Although my (and now our) financial goals are different than those of our clients, like our clients, these needs and goals have changed and developed over time.

What’s nice about being the youngest member of the Canby Financial team is that my “elder” peers, all of whom are married with children of different ages, are more than willing to share the wisdom they’ve gained as they’ve dealt with some of the same issues that I’m going through now.

And, of course, I get additional life lessons from my clients, whose ages range from family starters like me to people who have settled into retirement and those who are close to it.

While I can sit and run the numbers to give my clients an idea of where they are financially, the real value of being a member of the Canby Financial team is the opportunity it gives me to learn about what’s going on in their lives -- their joys and sorrows, their challenges, and their opportunities.

I feel fortunate to have been here for nearly half of Canby Financial’s first 25 years and I’m looking forward to being part of the next 25.

And to the time when they’ll bring in someone younger that I can be an “old timer” for!



This article was authored by David Jaeger and Jeffrey Briskin. David is a financial advisor at Canby Financial Advisors, 161 Worcester Road, Framingham, MA 01701. He offers securities and advisory services as an Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. He can be reached at 508.598.1082 or djaeger@canbyfinancial.com. Jeffrey Briskin is Director of Marketing at Canby Financial Advisors.


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