Continuum Planning Partners Recent News
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Family Owned Businesses highlighted in Memphis Business Journal event

by: Lauren Bellflower, MCM

Continuum Planning Partners hosted the Memphis Business Journal’s event highlighting Family Owned Businesses on Monday August 27th at the Marriott Memphis East. The event, which was attended by over 100 local business leaders, featured a panel of speakers including Spence Wilson, Jr., Principal of Kemmons Wilson Companies, Lauren McHugh Robinson, President and CEO of Huey’s Restaurant and J. Ford Canale, Funeral Director of Canale Funeral Directors.  Jerry Corless, President of CFG also spoke at the event, and Andy Shull, JD*, CFBS, Vice President – Financial Planning, served as Moderator for the panel. 

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Andy Faught Presented at the Nashville Business Journal’s Schematics for Small Business Event

by: Lauren Bellflower, MCM

Capital Financial Group presented the 2018 Nashville Business Journal’s Schematics for Small Business event at a happy hour on July 26th at The Listening Room. Small Business leaders and their employees were in attendance at the event to network, hear from a panel of small business owners, and to receive awards for the top small businesses in Nashville. Winners of the Small Business Awards were chosen by an independent panel of judges and the overall Small Business of the Year was presented to Moo TV. The awards presentation included a short speech by Andy Faught, Managing Partner and Financial Planner for Continuum Planning Partners. Andy mentioned points about business valuation and succession planning along with other issues facing small business owners.   

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Successful Financial Planning for Physicians

by: Doug Vowels

Often times when meeting with physicians that have been practicing for a few years always wish they would have started planning sooner than they did. The first question I ask recent graduates of residency programs is, “How does it feel it to make 5-10 times more income than your resident paycheck?” The two most common answers are surreal and overwhelming and I completely understand how they feel.

One of the best times to begin thinking about financial planning is during the residency or fellowship.  Personal financial planning is the process of determining how individuals and their families can help achieve their life goals through the proper management of financial resources. A comprehensive financial plan for a physician might include financial statements, insurance planning, debt management, employee benefits planning and analysis, investment planning, tax reduction strategies, income distribution planning in retirement, planning for college and estate planning, depending on the stage of the physician’s career.

One of the best times to begin thinking about financial planning is during the residency or fellowship.  Personal financial planning is the process of determining how individuals and their families can help achieve their life goals through the proper management of financial resources. A comprehensive financial plan for a physician might include financial statements, insurance planning, debt management, employee benefits planning and analysis, investment planning, tax reduction strategies, income distribution planning in retirement, planning for college and estate planning, depending on the stage of the physician’s career.

A big challenge for physicians is that many overspend when it comes to lifestyle choices.  So they and their families need to prioritize their spending and ensure financial habits align with their financial goals.  Another challenge for physicians is they have less time to save for retirement and they often times look for more complex financial planning and investments such as cash balance plans, 401(k) accounts, cash value life insurance and brokerage accounts to diversify their retirement strategy.

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JASON PEEPLES EARNS MASTER OF SCIENCE IN FINANCIAL SERVICES DEGREE FROM THE AMERICAN COLLEGE OF FINANCIAL SERVICES

by: Lauren Bellflower, MCM

MEMPHIS, TN - FEBRUARY 14, 2018 – Jason Peeples has earned the Master of Science in Financial Services (MSFS) degree from the Richard D. Irwin Graduate School at The American College in Bryn Mawr, Pennsylvania.

            The MSFS degree program provides a diverse financial education that prepares graduates to advise their clients on a wide spectrum of financial planning needs.  MSFS course topics include advanced pension and estate planning, financial planning, executive compensation, business and personal tax planning, security analysis and portfolio management, and financial statement analysis.  The program includes practical case studies and client/practitioner scenarios that graduates can use immediately to help them address clients’ needs with expertise and confidence.

Continuum Planning Partners moves 23 stories up to Clark Tower

by: Lauren Bellflower, MCM

January 31st, 2018 - 

Continuum Planning Partner’s Poplar Ave Memphis office completed its move to the 23rd floor of Clark Tower this past week. The move to this iconic Memphis landmark was preceded by a merger of The Partners Group and Nashville-based Capital Financial Group in 2017.

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Continuum Planning Partners welcomes 2 new partners!

by: Lauren Bellflower, MCM

We are delighted to announce the addition of 2 new advisors to the Continuum Planning Partners team. These additions expand our reach within the Nashville and Memphis markets. Bringing over 30 years of experience to our Memphis team is J. Randolph Flatt.  Randolph specializes in many areas including: estate planning, personal financial planning, business continuation planning, long term care as well as employee benefit programs. Randolph is very involved in the Memphis community having served on non-profit boards such as Leadership Memphis, Big Brothers, Big Sisters and was a past president of the East Memphis Kiwanis. He also is very involved in industry organizations serving as a past president of the Memphis chapter of Society of Financial Services Professionals, the Memphis Association of Insurance and Financial Advisors and the Estate Planning Council of Memphis.

Continuum Planning Partner’s Nashville partners and employees donate over 1,500 diapers to Martha O’Bryan Center

by: Lauren Bellflower, MCM

The partners and employees at Continuum have just finished their annual holiday drive for items most requested by the Martha O’Bryan Center. This year over 400 total items were donated including baby wipes, diapers, shampoo, deodorant, soap, hair brushes and toilet paper. The drive is structured as a friendly competition between groups and worth the most points were packs of diapers, so the drive became a fun battle over which team could gather the most diapers. In the end, over 1,500 diapers were donated! Andy Faught, Director of Financial Planning shared, “At Continuum Planning Partners, we feel it is our duty to help those in need.  The holiday drive is one initiative of many throughout the year, but is probably the most special.  As we move into the holiday season, it is not happy for all and anything we can do to brighten the spirit of others through things most of us take for granted is very special.” 

Rich Jones and Continuum Planning Partners Sponsor Royal Family Kids 5K

by: Lauren Bellflower, MCM

Rich Jones and his family sponsored and ran in the Memphis Royal Family Kids 5K. Royal Family Kids is an organization that helps abused, abandoned or neglected children go to a summer camp experience they will never forget. Since 1985, Royal Family kids has been offering week long camp experiences to these children who would otherwise not get the opportunity to attend. They have 200 camps in the United States and 25 internationally, with over 800 campers each year. Even after camp ends, they are given support through mentoring clubs at churches of various denominations.

Way to go Rich and family!


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Continuum Planning Partners welcomes 4 new partners

by: Lauren Bellflower, MCM

We are proud to announce the addition of 4 new advisors to Continuum. We are excited to expand our team to include more of a presence in Memphis area and a new presence in Tupelo. In our second Memphis office we now have Bennett Lebowitz and Spencer Cultra. As a 3rd generation small business owner, Bennett specializes in helping small business owners with their comprehensive financial plans as well as with succession and transition planning. Spencer Cultra is focused on helping to ensure his clients have a comprehensive plan that provides them a clear path to their goals, based on their vision, and totally directed by their values.

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Continuum’s youngest fan spotted on the PGA Tour

by: Lauren Bellflower, MCM

One of Continuum’s smallest supporters, Blaine Burcham was seen last week in his Continuum Planning Partners polo at the PGA Tour Championship in Atlanta receiving a ball from Jordan Spieth. The video was posted on the PGATour’s Instagram, @pgatour and has been viewed more than 300,000 times and liked more than 50,000 times.

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Abby Spaulding wins 2017 Nashville Business Journal’s Power Leaders in Finance Award

by: Lauren Bellflower

We are pleased to announce that Abby Spaulding won the 2017 Nashville Business Journal’s Power Leaders in Finance Award. Abby was featured in a special section of the Nashville Business Journal highlighting those with the precision, patience and experience to help company leaders and the Middle Tennessee community plan for the future. 
Winners were nominated by the public, and then an internal committee chose the final nominees for a list. The nominees were then asked to vote on which individuals on the list would win the awards. Help us to congratulate Abby on this honor!

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Chris Robinette named finalist for the 2017 Nashville Emerging Leader Awards

by: Lauren Bellflower

We would like to congratulate Chris Robinette, a financial planner at Continuum Planning Partners for again being a finalist for the Nashville Emerging Leader Awards. The NELAs are for civically engaged, entrepreneurial young professionals in Nashville. Each of the nominees are involved in the growing economy and the volunteer community. Chris is one of the 5 finalists for the Financial Services Category.

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Veteran Chris Robinette honored at Nashville Predators playoff game

by: Lauren Bellflower

Congrats to Chris Robinette, financial planner at Continuum Planning Partners who was the military honoree at the April 17th Nashville Predators playoff game. Chris was surprised with the honor at the game by his fiancé, Kelley. Following the game where he was recognized he said “I wasn’t really feeling good that day, but Kelley was adamant that we get back to the seats to watch the game. I wasn’t going to argue, because I love watching, and 5 minutes later there was a camera guy right in front of us as the salute was starting. Total surprise! Kelley and the Predators organization did a really great job. it was a truly humbling experience and a huge honor”. The Predators went on to beat the Chicago Blackhawks in the game and sweep the series!

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WHICH STUDENT LOAN REPAYMENT OPTION IS RIGHT FOR ME?

by: BRYAN POWELL, CFP®

It is no secret the amount of student loan debt in the United States is on the rise.  With costs of a college education increasing at a rapid rate and continued high demand for higher education, the frustration many recent college graduates face when it comes to repaying their student loans appears to be here to stay.  For many, student loan payments account for a sizeable portion of their take-home pay, so it is important to understand the various repayment options.

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Is your tax advisor paying attention?

by: Jeff Turner, CFP®, CLU, ChFC, AEP®

In 2011 a change occured that made tax reporting for investment accounts radically easier, but there was never a formal announcement by the IRS although there were many articles published discussing the change, such as an FAQ on Cost Basis Reporting from the IRS and a FINRA notice on cost basis reporting. Many years later, some tax practitioners may still not consistently applied the shortcut.  While we try to make every client aware ahead of time, I am reminded each year around April 15th that this information is still not generally known.

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Clear Expectations of a Family Business

by: ABBY SPAULDING, CFP®

Family Enterprises generate 57% of the nation's GDP and employ 63% of the U.S. workforce (Family business alliance, 2017). “Despite the extraordinary longevity of some individual family firms, the average life-span across the sector is three generations. Typically, only 12% make it that far, and the number getting past four generations falls to as low as 3%” (pwc.com, 2017). Balancing family roles and dynamics with business roles can be challenging.  However, below are some basic tips that can help you avoid some common mistakes.

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Is the Sports World Starting to Look More Like the Corporate World?

by: Andy Faught, CFA, CPA & Brad Burcham

In a recent ESPN article (click HERE to read), there was a discussion of a compensation strategy for Jim Harbaugh, the head football coach for the University of Michigan.  With universities starting to run their sports programs more like businesses, it was just a matter of time before they began adopting strategies such as this to attract and retain key talent to their programs.

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Why is Planning for Long Term Healthcare so Important?

by: Jason Peeples, CFP®

Some of the largest risks in retirement planning are health care and long term services and support (LTSS) costs.  Having the responsibility of caring for my two parents over the past decade has provided personal experience with the planning, issues and costs of providing this care. 


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Should We Be Worried About the Election???

by: Andy Faught, CFA, CFP®

Before I start…there is absolutely nothing partisan in this article.  Whether you are a die-hard Republican, Democrat, Libertarian, or even Ralph Nader’s Green Party, there are some facts you need to know about how markets react in an election cycle.

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Kip Paxton Promoted

by: Lauren Bellflower

BRENTWOOD, TN, July 20, 2016– Kip Paxton has been promoted to Investment Processing Manager with Continuum Planning Partners. Kip has been with the firm since May of 2011, and is eager to take on this new challenge. As the Investment Processing Manager, he is working with all Continuum advisors and clients on opening new accounts and is enhancing the client experience. He is utilizing his expertise to ensure new and established clients have the best experience during all phases of their investment accounts.

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Managing Finances as a Couple: Do Opposites Really Attract?

by: Brad Burcham, Financial Planner

I often see one spouse being the overseer of finances.  They know every detail of every account and where the $3.50 was spent yesterday on their debit card.  The other spouse typically would not know if there was $100 or $100,000 in the checking account. 

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Why It Is Important to Know the Value Of Your Businesses: The Tale of Two Business Owners

by: Andy Faught, CFA®, CFP®

If you don’t feel like you have a handle on the true value of your business, then you are not alone. Many of the business owners we work with have an idea of what it is worth, but admit that this is something they have come up with on their own and are not sure if it is a real value. Others say they don’t know where to start when it comes to valuing their business.

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10 Questions To Ask When Choosing A Financial Planner

by: Jeff Turner, CFP®, CLU, ChFC, AEP®

When you consider seeking help from a financial planner, whether deciding to buy a new home, planning for retirement or your children’s education, or simply not having the time or expertise to organize your finances, there are several key questions to consider. Many questions may seem obvious, but you may be surprised how few people ever ask the questions.

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Common Mistakes in Estate Planning

by: Abby Spaulding, CFP®

The most common mistake of an estate plan is simply not having one. Many people think they are under the threshold to need an estate plan. However, getting your estate documents in order is useful even if you don’t have a need for estate tax planning. Making sure you have a Will, a Living Will, a Healthcare Power of Attorney, a Financial Power of Attorney and a Testamentary Trust is a staple of every good financial plan.

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Coordinating your “Financial Junk Drawer”

by: Bavy Lopez

An advisor in our firm was recently introduced to a prospective client, “John Jones”, who approached the initial meeting with a lot of skepticism. The advisor was introduced to John as a Financial Advisor who could help John and his wife through comprehensive planning. John was skeptical about the value the advisor could add to his situation due to the fact that he felt confident that he had taken care of every financial need that he and his wife could possibly have. He had met with several other ‘advisors’ over the years and had amassed an impressive array of products and services. As a result, John dragged his feet, resisted meeting with the advisor and put off a meeting until the advisor, professionally, convinced John that it would be worth his while to at least have a face to face conversation. After that initial conversation, John agreed to engage the advisor and hire him to create a comprehensive financial plan.

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How Do I Navigate the Options for College Savings

by: Bryan Powell, CFP®

According to the U.S. Bureau of Labor Statistics, almost 70% of 2014 high school graduates enrolled in a college or university after finishing high school. This is a figure that has shown an upward trend for decades. As a result, most parents expect their child will graduate high school and attend college prior to starting their career. It has become the norm for many.

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How to View Financial Planning

by: Charles V. Collins, CHFC

There are a thousand financial decisions that need to be made over a lifetime. How do you make those the most effective way in order to accomplish your plans in life?

It seems that this would be an easy answer, but after three decades of advising business owners, professionals, and entrepreneurs, I have seen that answering this can mean the difference between reaching those goals and missing them.

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Why It Is Important to Review your Benefits in a Job Transition

by: Chris Robinette, MBA, LUTCF

If you have ever been in a situation regarding a job transition, you may feel stressed out and fatigued attempting to adjust from one benefit package to another. This guide is meant to help reduce that stress during a voluntary or involuntary job transition.

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Why Business Owners don’t do Succession Planning

by: Tammy Paxton, CFP®

I’ve built a great business and I’m ready to retire. How can I do that? Who will buy my business? What I can sell it for? Is it ready to sell? These are the questions we get most often. According to one source* 66% of businesses in 2012 were owned by Baby Boomers. As they are approaching retirement they are often asking themselves these questions and have little, if any, idea of where to go to next.

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I’m a Young Professional and Finally Making Money – Now What?

by: Brent Christian

If you are a young professional and you do not feel like you know exactly what you should be doing now that you’re finally making money, you are not the only one. Many young professionals in today’s economy are not sure what they should be doing with their money, but deep down know that they should be doing something. Often times, young professionals are busy launching their careers, starting families, and spending time developing their skills so financial planning takes a back burner because they have “plenty of time to figure it out.”