Broker Check

Guidance Throughout Your Journey

11039 Broadway Suite C
Crown Point IN, 46307
(219) 779-9183
 


Welcome to TrueWealth Advising Group

TrueWealth Advising Group is a full-service financial planning firm providing innovative, strategic guidance to businesses and individuals. We utilize a distinct holistic approach to help build, protect and distribute your assets. Our top-level professionals assist in optimizing your financial position through innovative tax management, retirement and estate planning strategies, account distribution and transfer of wealth.  

Our advisors offer a variety of cutting-edge financial and insurance strategies including numerous Investment Platforms, Annuities, IRA’s, Life and Disability Insurance, Long-Term Care Options and Charitable Giving Opportunities.

Our reputation of offering our valued clients “Guidance Throughout Your Journey” has set us apart in our industry. We strive to keep our clients focused on their financial futures, help them to set realistic yet optimistic goals and encourage them to remain disciplined in their financial decisions.

Accumulation, Distribution, Legacy – Are YOU examining all phases of your journey? Contact us today to set up a complimentary financial review.

NATIONAL LIFE GROUP WOMEN’S LEADERSHIP SERIES: CAREY YUKICH

During Women’s History Month, we began profiling a series of National Life leaders to hear their experiences navigating both life and the financial industry as a woman.  We’ve decided to keep that momentum going…so stay with us as we continue to shine the spotlight on leadership.

The following interview has been edited for length and clarity.

Carey Yukich brings over 18 years of financial planning experience to her clients through her firm TrueWealth Advising Group.  She brings the same passion and drive that she had as a collegiate volleyball player to her business and her team.  Carey resides in Crown Point, Indiana with her husband John, daughters Jessica (21) and Samantha (19) along with their English Mastiff, Brandy and English Bulldog, Bozley. She is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. Her registrations include FINRA Series 65, and 7.  She is also licensed in Life, Health and Long-Term Care Insurance. 

What has your career pathway been up to where you are now?

In late 2001, I was on a soul-searching mission to figure out “what I wanted to be when I grew up.” During this time, I was on maternity leave after the arrival of my youngest daughter and our nation was enduring the wrath of the terrorist attack on 9/11. Amid that uncertainty, I knew one thing for sure, I needed a change in my professional life and make a bigger impact on others. In my research, I read the book Do What You Are by Paul D. Tieger which proved to be an invaluable resource for me. The book was filled with different personal assessments filled with thought provoking questions. As I went through these assessments, it provided a result I already knew: it was time to choose a different profession. It aligned my responses to three professional categories: teaching, counseling, or financial planning. After more research into each recommended category, it became clear to me that financial planning was the professional path I would choose. Financial planning is a field where I felt I could deeply impact people by leveraging both my personal and professional strengths.  I started my financial career with Prudential and quickly learned that I wanted the independence of the “Hybrid Channel” (similar to the “affiliated channel” of National Life). This is the point in my career where I started to develop my philosophy on holistic planning. By 2007, I had grown into a leadership position and begun developing my team. In 2012, my husband John joined me, and this is when we started what I would call building our “real” team. It was nice to not feel like I was handling everything on my own and I appreciated true teamwork. By 2014, we created the brand of our current company, TrueWealth Advising Group.  In 2015 we added administrative and client services, marketing and business development focus.  That’s when we joined National Life and Equity Services.  This provided the structure we needed to be a turn-key model and to attract financial advisors to our team. We’ve added at least one financial advisor each year since making that decision.

What do you like most about what you do at National Life?

One of the biggest attractions to National Life is our shared values. The mission of Do good, Be good, Make good closely aligned with our professional and personal values. National Life also has many successful females in leadership positions. Not only on the board of directors, but also Pam Blalock leading the affiliated distribution channel, Carey Earle in marketing and many other women throughout the organization. That’s not the case in a lot of other companies. It’s a battle that women face across industries.

Another reason we chose to align our business with National Life in 2016 was their willingness to not only partner with us, but also treat us like a valued client. TrueWealth Advising Group is an independent firm and we are encouraged to build our own brand. A lot of models in the financial services industry want you to do away with your personal brand and brand yourself as their corporate entity. We wanted the support and guidance of National Life and Equity Services with the ability to remain independently branded while sharing our values and culture. Like National Life, community involvement is also important to our entire team.

Has the industry landscape changed during your career and if it has, what changes have you seen?

I think there has been a shift towards holistic financial planning since I started in the industry back in 2001. When I started, a lot of the companies were talking the holistic planning talk, but they weren’t walking that walk. When I say holistic financial planning, I mean investments, protection, income, liquidity, estate planning, and more, all the pieces of the financial picture. Technology has made a huge advancement in the practices of our industry, so we are not only trying to build our practice, but we are also competing with these technology companies that are trying to make financial planning a commodity. We’ve seen that development and aim to make sure we are innovative and adapt in tandem to fulfill our customer’s needs. Knowing that technology streamlines our services, we’ve spent a lot of time and energy on differentiating ourselves, providing value added services in several key areas, especially integrated planning for business owners and individuals, estate planning, collaboration, and coaching. Coaching is right up my alley, before I got into the corporate finance world what I really wanted to do was be a collegiate volleyball coach. Having a coaching background is applicable in our industry because financial coaching is what people need.   You can plan all day long, but if you don’t implement, the best laid plans aren’t going to help.

Are there any women who have inspired you in your life?

It’s very hard for me to narrow it down to one so I’ll give you a short list. First, my grandmothers, mother, and younger sister on the personal side. And then I would say two strong women coaches: Beth Launiere, the Women’s Volleyball Head Coach at the University of Utah, who I had the great fortune of being coached by during high school; and Pat Summit, (who passed away in 2016) Head Coach of University of Tennessee women’s basketball.  More recently, outside of the athletic arena, would be Nikki Haley. All these women are tenacious and passionate in their beliefs, and they’re great at pushing through any obstacles that stand in their way.

Carey with her sister, Katie

What advice would you give to young women that are just beginning their careers?

Mentorship. Find a mentor and become a mentor. I had the honor of speaking at the last President’s Club (National Life’s producer conference) and I said that this business is “caught,” meaning that you catch it by observing, joint work, learning and then evaluating with feedback. Learn from people who are successful, but also have a mentor to bounce ideas off, make mistakes in front of, and grow with.

Work very hard. It’s going to be difficult at times, your practice will be a lot of work – what is crucial for women especially is finding a balance. I started in this industry in 2001 when my daughter was only 6 months old. I had another daughter who was 2 years old. It’s hard work to balance your time with your family, but it can be done.

Two more things:

  1. Push through the tough times. There are a lot of scenarios where you might feel defeated, like right now with the economy, but there is a silver lining and opportunities for you to shine if you are willing to look.
  2. Ask poignant, meaningful questions. Dig deeper especially when it comes to challenges, opportunities, relationships, and experiences that are important to your prospects and clients.  LISTEN.

What leadership quality do you most admire and aspire to?

Humble resilience. Staying humble and resilient in overcoming tough circumstances. As an athlete, I missed a lot of shots in basketball and I got blocked a lot of times in volleyball, but I kept trying and figured out different ways to elevate my game while staying humble in the meantime. As you gain success and grow as a leader, that is when you need to emulate.

Do you have a favorite cause or a do-good passion?

A few years ago, my team and I won an Agent Do Good award from National Life for our holistic commitment to Meals on Wheels of Northwest Indiana. Since then, I’ve gotten involved in our local community foundation. I am on the board of directors and investment committee of The Legacy Foundation based in Northwest Indiana. The ones that are near and dear to my heart are those surrounding women’s empowerment. The Legacy Foundation has a specific sector for “Women in Philanthropy.” It’s a smaller subset of the foundation that focuses on empowering women. It’s exciting. The women in philanthropy group grants funds annually, conducts a luncheon and has a speaker. Last year TrueWealth hosted a table full of women; our clients, and women who are important to our team. We host this group so we could say thank you and to share the good that is going on in our community.

Any other words of wisdom?

You don’t need to do things on your own to be successful. I tried to do everything myself, but then realized it’s better to surround yourself with a team of people who support your strengths and that are better than you at a lot of things. A lot of people on our team are better at a lot of things than me and have different perspectives than I do.  I had the courage to push through these boundaries and I think that’s a very poignant piece of advice when gaining the success that you desire.

Equity Services, Inc. (ESI), Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company. Securities are offered solely through registered representatives of ESI. Financial planning and investment advisory services are offered solely through investment adviser representatives of ESI. TrueWealth Advising Group and all other persons and entities are independent of ESI. Associates of TrueWealth Advising Group do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.

TC113733(0420)3




VOLATILITY:  What's Normal?

  • Uncertainty surrounding the eventual economic impact of the coronavirus has driven market volatility higher.
  • It's useful to realize that volatility has been higher in the past and can still increase from here.
  • It's also helpful to understand that it is normal for market declines to occur at some point almost every year.

February of 2020 ended with a decline in the S&P 500 Index that quickly became a rout, pushing the index into correction territory. Economic uncertainties over the
eventual impact of the coronavirus drove market volatility higher and punished the equity index with a vengeance. 

While analysts debated whether this would be merely a short pause in the market’s upward trajectory or the beginning of an extended downturn, investors worried about losses in their portfolios as the index retreated from its previous all-time high.

However, the first trading day of March saw the S&P 500 Index have its second-largest percentage gain in over ten years, a reminder that upticks in volatility can swing
the market in either direction.

Declines are a Normal Occurrence Although investors hope to see their portfolios generate gains, market declines are inevitable and occur, at some point, almost every year.  While some declines are more significant than others, even in years with notable declines that cause uneasiness for investors, the market can still generate positive returns.

In summary, while the coronavirus issue in addition to falling oil prices is the current focus of concern...when it passes, another issue will eventually arise.  Something always poses a potential threat to the stock market.  For this reason we believe that a Diversified Portfolio is one of the best ways to reduce risk and increase the odds that investors will remain focused and stick to their investment strategies in good times and bad.

This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. This information should not be relied upon by the reader as research or investment advice and is intended for educational purposes only.

There are risks involved with investing, including loss of principal. Diversification may not protect against market risk.

Information provided by SEI Investments Management Corporation (SIMC), a wholly owned subsidiary of SEI Investments Company (SEI).

TrueWealth Advising Group Welcomes New Adviser, Danielle Helfrich

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Danielle Helfrich has dedicated her career to serving the financial needs of her clients.  Her wealth management experience spans over 27 years where she has assisted individuals, families and small business owners in achieving their financial goals.  Danielle prefers a holistic planning approach that includes a thorough discovery process, innovative customized solutions and assistance in implementation of the plan. Through this comprehensive process, Danielle is able to build deep and longstanding relationships with her clients.  Hosting educational events and seminars is a high priority and offers the opportunity to empower others and to instill financial confidence.

Danielle has experience and expertise in group qualified retirement plans and enjoys strategizing with business owners on the design and implementation of cost effective, tax efficient plans that benefit all stakeholders. Additionally, Danielle has a passion for assisting widows, widowers and divorcees.  Her compassion and partnership with these individuals enable and empower them to gain control of their financial affairs during an extremely difficult time.

Danielle has her Series 63, Series 66, and Series 7 Securities registrations and is a Registered Representative and Investment Advisor Representative of Equity Services, Inc. She is able to offer securities in IN, IL, and TN. Her specific services, along with the TrueWealth team, include but are not limited to:

  • Comprehensive Financial Planning
  • Retirement and Estate Planning Strategies
  • Asset Management and Distribution
  • Charitable Giving Approaches
  • Life, Disability, and Long-Term Care Insurance Options

Danielle’s passion and commitment to helping others is apparent in her time away from the office.  Having attended a private women’s college owned by the P.E.O. Sisterhood, an international philanthropic women’s organization, Danielle is focused on providing educational opportunities for other females worldwide and is a founding and active member of a local P.E.O. Chapter. She is an active volunteer and foster for Child and Pet Relief Fund, a 501c3 dedicated to ending the needless euthanasia of adoptable animals. Danielle is also the Co-Director of The Lake County Pet Expo, a large annual event held to raise funds and promote animal adoption for over 20 local animal rescues and shelters. 

Danielle is married to Bill and is the proud mom of three children, Alexandra (27), Emma (25) and Caden (20). She also has three dogs and one kitty (all adopted, of course). In her spare time, she enjoys gardening, reading, hiking and tennis. 

 Danielle Helfrich is a Registered Representative and Investment Adviser Representative of Equity Services, Inc.  Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC, 123 N. Wacker Drive, Suite 600, Chicago, IL 60606, (312)236-2500.  TrueWealth Advising Group is independent of Equity Services, Inc. TC113289(0320)1

 


Community

National Life Group Do Good Tour:

TrueWealth Advising Group partnered with Hometown Happenings to collect new and gently used children's books at the Hub City Races on September 10th.  To date we have collected over 3,000 books to be distributed to underprivileged children in Northwest Indiana.  Distribution sites include local food pantries, elementary schools and the City Life Youth Center.  TrueWealth Advising was awarded the National “Do Good” Award in February.  National Life Group has awarded Meals on Wheels of NWI $7,500 and the Crown Point Community Foundation $500 in recognition of our team’s efforts.

Meals on Wheels of NWI:

The TrueWealth Advising Group team has a monthly commitment with Meals on Wheels to deliver a Friday route.  Hot meals and an evening snack are delivered to around fifteen households in the Crown Point area.  When the day comes to deliver, we all clamor over who “gets to go.”  Relationships and even friendships have been established over the years with the clients along Route 3.  Carey Yukich currently serves on their Development Committee.

Legacy Foundation of Northwest Indiana:

Carey currently serves on the Board of Directors as well as the Investment Committee and Jennifer Vinovich is a past Board, Grants and Scholarship Committee Member of this dynamic organization.  Hundreds of students and residents throughout our communities are the recipients of this organization’s grants and projects.

American Heart Association:

Carey and Jennifer are past members of the Executive Leadership Team and help to sustain the organization through donor solicitation and working partnerships.  Jennifer continues to assist in the writing and editing of their grant requests.

**Other organizations we work with include Tri Kappa, Junior Achievement, South Shore Arts Association, Northwest Indiana Food Pantry, First Tee of Indiana, Munster VolleyKids, City of Crown Point and Crossroads Chamber of Commerce.

TradeWinds Bowling Fundraiser

TrueWealth Advising team and friends participate in the Annual TradeWinds Bowling event to benefit adults and children with disabilities.

Junior Achievement #GivingTuesday

TrueWealth Advising owners John & Carey Yukich along with Financial Professional Andrea Sullivan sharing some inspiration for our youth.

TrueWealth at Lake County Bar Association Event

TrueWealth advisors sharing some financial "best practices" with members of the LCBA community.

Hub City Marathon

TrueWealth team members collecting new and gently used children's books for distribution to pre-schools and elementary schools in Northwest Indiana.

Hometown Happenings / TrueWealth
Book Collection

TrueWealth team members collecting children's books for distribution to area pre-schools and elementary schools.

Wheeler Middle School
"Reality Store"

Andrea, Jennifer and Carey volunteering at Wheeler Middle School's "Reality Store" event.



MoneyGuidePro Financial Planning Software now available at TrueWealth!

MoneyGuidePro, our industry's cutting edge financial planning software, is now available at TrueWealth Advising Group.  It allows clients to be far more interactive in the financial planning process. We believe everyone not only needs but deserves a quality financial plan.  Visit their website for further details.

https://www.moneyguidepro.com/ifa/