Financial Advisor Recommendation

I'm considering hiring a financial advisor in the DSM to help with our financial planning, but am struggling with where to start. I'm near-40 and have managed this process up until now. We have a strong financial plan in place (Consistently saved 15%, Roth IRA, Traditional IRA, 401k, index funds, life insurance, will, 529s, etc, etc).

I am NOT looking for someone to actively manage my investment portfolio. I'm looking for someone to help put together a financial plan that will achieve our financial goals and meet annually to make sure we're on track. Life has gotten busy enough and our finances complicated enough that I'm to the point of looking for someone to take this on for me.

Can anyone recommend a good person or firm to reach out to?

DISCLAIMER: If you find yourself typing "just read Bogleheads," then stop. Because I already do.

College athletics 10 yrs from now...

I have been thinking about worst case scenario since the UCLA, USC news broke. What if the P2 decide to break away and slowly increase the competitive gap with the rules they establish?

Below is an example, not meant to be exactly what unfolds but something along these lines. Key point is, the teams with money have always established the rules to favor themselves (think P5 v. G5 in the past - but this will be a much bigger gap).

1) P2 focuses on collecting top brands and ends up with a power group of 24-32 teams. (Teams will not necessarily be part of a "conference" but it would be more like a mini NCAA... but with actual power to set and enforce rules.)

2) Some teams in the current 32 are kicked out, some are added from the ACC, ND, maybe some of the remaining PAC get picked up and teams like Rutgers, NW, Vandy are dropped.... not going to define who is "in" here... not really important. Net is you have about 100 or so schools in the FBS that are left out.

3) The P2 makes significantly more than the non-P2 (+$100M or so per year), and use this money to set salary caps for "College" athletics... but at this point it's more like semi-pro football. They also allow athletes from non-P2 schools to transfer to P2 programs (do not recognize lower level contracts; just buy players out of whatever deal they are in as needed); however, P2 contracts are recognized and athletes may not move freely between P2 schools. They must be cut from the team to get out of their P2 contract and play at another P2 (think NFL style contracts).

If something along these lines plays out... maybe the "left over 100" could actually do something about it....

1) Establish a new college football league (could be forced to do so if P2 decide to stop playing them at some point)

2) Create regional groupings that mean something to fans

3) Split TV rights revenue evenly between schools and set salary caps based on this revenue to pay players directly (still could lose players to P2, but you would have contracts in place that prevent players and coaches from moving around - again NFL style contracts for players and coaches)

4) Create a playoff that provides access to everyone

5) Stop playing all P2 schools (even if they still allow match-ups between P2 and others) - force them to only play each other and see what happens to interest in 24 brands vs. a regionally relevant league with a true playoff and champion - basically what college football should be if it wasn't for teams like texas, tosu, etc. that want to make sure that the money they bring in gives them a competitive advantage.

The P2 could have an interesting league, but if the "leftovers" were to organize and address the real issues with college athletics, I believe they could drive more total value (less per school). In the long run, the "brands" may see the value of regionally relevant college athletics... who knows, if successful, maybe the "brands" come crawling back after a failed semi-pro experiment!

I know this is probably just a dream. But I guess my hope is that the P2 go too far and eliminate 100+ teams that have "no value" to them and those teams band together and create a more valuable league that fans actually want to watch.
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Some Iowa State stats for you

I keep reading posts through various social media on Iowa State getting left behind if the ACC, PAC and Big 12 combine teams because we bring nothing to the table. So here's some stats for you. The isn't you dad's ISU (bolded for the idiots in the back, *cough Stewie Mandel).
Of the remaining "Big 8" Iowa State ranks:
#1 in football attendance
#2 in football viewership, #27 overall

#1 in Leerfield Director's Cup standings
#1 in women's basketball attendance
#T1 public university according USNews
#2 in wrestling attendance
#3 in men's basketball attendance

But please, go on about how we "don't belong".

  • Poll Poll
How should the Big 12 play the hand it has been dealt

How should the Big 12 play the hand it has been dealt

  • Neuter the PAC-12(-2) by going after some combination of the AZ shools, CU, and Utah

    Votes: 119 57.2%
  • Neuter the PAC-12(-2) by going after Oregon and/or Washington first, and then pick among the scraps

    Votes: 33 15.9%
  • Take a B1G approach and focus on TV markets: Washington, Bay Area, 1 AZ school, and Colorado

    Votes: 13 6.3%
  • Attempt a full merge with the remaining PAC-10 teams

    Votes: 28 13.5%
  • Strike at the ACC in an attempt to establish yourself as the clear #3. Go East instead of West.

    Votes: 4 1.9%
  • Play nice and don't try to lure anyone away. Form alliances with the ACC and PAC-10

    Votes: 1 0.5%
  • Stand pat, let more chaos happen, and then make a move if the $$ makes sense

    Votes: 5 2.4%
  • Concede teams to the ACC (WV, Cinc, UCF), and then merge/raid the pac-10.

    Votes: 5 2.4%

A poll focused on what INITIAL strategy you think the Big 12 should employ. Maybe other moves follow, maybe not. But what should the conference do first?

H

I know, “smaller piece of the pie” but…

I love this proposal from the WSU 247 site.

WEST

  • Cal
  • Oregon
  • Oregon State
  • Stanford
  • Washington
  • Washington State
MOUNTAIN

  • Arizona
  • Arizona State
  • BYU
  • Colorado
  • San Diego State
  • Utah
CENTRAL

  • Baylor
  • Houston
  • Oklahoma State
  • SMU
  • TCU
  • Texas Tech
MIDEAST

  • Cincinnati
  • Iowa State
  • Kansas
  • Kansas State
  • UCF
  • West Virginia
Twelve conference games per week. Schools in every time zone. The only conference with schools in Texas, California, and Florida. If we get poached, we still have a ton of schools.
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On That Note: It’s All “2” Much (Part 2, 1982 & 1992)

Welcome to another edition of “On That Note,” CF’s weekly music series, co-hosted by @MeanDean, @CycloneRulzzz and cyclones500.

This week, we continue our annual albums-by-decade series.

For part 2, post your favorite LPs released in 1982 and/or 1992. (Those years only, NOT the entire decade.)

Include 3 or 4 sound clips with each selection. In addition to the tracks, we encourage you to expound on why the album is meaningful, including personal history of your relationship with the record and its music.

Choices should focus on studio albums. Avoid greatest hits/live LPs/compilations. We’ll allow it, but it should be a definitive element of an artist’s body of work that isn’t otherwise available from studio output.

If someone posts an album on your list before you get to it, you still may reference it, but use different song samples.

If you’re more singles-oriented, you may substitute top singles from either of those years.

(Next week, we conclude the series with 2002/2012)

A couple of my top selections coming in separate entry.
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