Purpose Driven Finances – September 6, 2025

Segment 1: Let’s Talk the Portfolio (10 Minutes)

Theme: Quad 3, Inflation, and Interest Rates on the Horizon

Allan opened this week’s show by reviewing the current market environment — Quad 3, characterized by slowing growth and rising inflation. He explained that in this phase, investors should expect more volatility across equities and credit, and that interest rate shifts are likely in the coming months.

The conversation highlighted how the Federal Reserve’s next moves could reshape both bond yields and consumer borrowing costs. Allan reminded listeners that inflation-sensitive sectors — such as commodities, energy, and utilities — often perform better in Quad 3, while high-growth tech and consumer discretionary stocks can face headwinds.

“Understanding where we are in the economic cycle helps you protect your purchasing power and position your portfolio with purpose.”

Segment 2: What’s My Number? — How to Discover It

Following last week’s question, “Why learn about your number?”, Allan walked through a practical, step-by-step framework for discovering it — turning a vague financial target into a clear, actionable plan.

1. Goal Setting – Clarify What Matters Most

Define what you want your money to accomplish: retirement, travel, education, giving, home ownership, or legacy.

“Your money should serve your purpose, not the other way around.”

2. Cost Discovery – Translate Goals into Dollars

Convert dreams into measurable numbers: monthly living expenses, debt, healthcare, and lifestyle choices.

Account for inflation, taxes, and emergencies — today’s $5,000 per month may need to be $9,000 in the future.

Build a margin of safety rather than relying on averages.

3. Communication – Align with Your Partner

Financial planning is relational. Make sure both spouses or partners share a unified vision.

Different priorities—early retirement, travel, or legacy—can be balanced through open conversations and professional guidance.

4. Calculating the Number – Put It All Together

Estimate how much each goal will cost, when it will happen, and how much you’ll need to save each month based on your investment rate of return.

This converts abstract goals into a workable savings and investment plan.

5. Flexibility – Update as Life Changes

Your number isn’t permanent. Major life events—new jobs, marriage, children, illness, or market changes—require regular reviews to keep your plan current.

Closing Thoughts and Call to Action

Every household has a number, but few know it.

Finding yours requires:

• Clarity about goals
• Honesty about costs
• Communication with family
• Calculation through disciplined planning

“At Servus Capital Management, we help families not only discover their number, but keep it updated as life evolves.”

📞 Contact Servus Capital Management to review your financial plan. 434-316-0246

Every purpose needs a plan. Let’s define your number — and help you live it.

www.servuscm.com