Vista Cima Wealth Management

05/16/2024

Finally, I had discovered it. I have always been a skinny guy, not exactly an advantage for a football player. But now, I had something. A way to level the playing field. I had accidentally discovered the blindside crack-back block.

I had a cup of coffee as the starting tight end on our sophomore football team in high school. I discovered the block in practice a few weeks before the preseason started. I didn’t have a chance to use it during our first game, but after the way everyone responded to my discovery, even the seniors and the coaches, it was always in the back of my mind. Then came the second game.

The play call came in from the sidelines. Our quarterback was specifically instructed to run with the ball. I would have an opportunity to use the block; an opportunity to deliver a heavy blow to an opposing player, and to blow up the stadium as a result. My mind was made up.

Since the quarterback had the option to run or pass on this particular play, I was required to run down the field as a receiver first before I could come back to the ball to make the block - I will never forget the sound of a good helmet-to-helmet hit, or the feeling of delivering one.

Just as I broke my route off to look for an opposing player to block, I saw the ball sail over my head. The quarterback had decided not to run with the ball, but to throw it. To me. I was all alone, wide open, and it appeared that I had given up on the play just as the ball came my way.

Needless to say, I never started another game. Coaches tend not to like players who appear to give up on easy opportunities to help the team. Over the years, this experience has taught me a powerful lesson: “don’t be so sure of what you want that you wouldn’t take something better.”

-Preston Rhoades

03/12/2024

Don't Let These Investing Myths Hold You Back!

Investing can be a powerful tool for building wealth and securing your financial future, but it's not without its fair share of myths and misconceptions. Let's debunk some common myths that might be holding you back from achieving your investment goals:

Myth #1: "Investing is like gambling." Reality: While investing involves risk, it's not the same as gambling. With careful research, diversification, and a long-term perspective, you can mitigate risk and make informed investment decisions.

Myth #2: "You need to constantly buy and sell to be successful." Reality: Successful investing is about patience and discipline, not constant trading. Trying to time the market can lead to costly mistakes. Instead, focus on a well-thought-out investment plan and stick to it.

Myth #3: "I need to be an expert to invest." Reality: You don't need to be a financial wizard to start investing. Working with a trusted financial advisor can provide you with the guidance and support you need to make informed investment choices.

Myth #4: "Investing is only about stocks." Reality: While stocks are a common investment option, there are many other investment vehicles available, such as bonds, mutual funds, real estate, and more. Diversifying your portfolio can help reduce risk and maximize returns.

Myth #5: "I missed the boat on investing because I didn't start early." Reality: It's never too late to start investing! While starting early does have its advantages due to the power of compounding, investing at any stage of life can still yield significant benefits. The key is to get started as soon as possible and stay committed to your investment plan to maximize your potential returns.

Ready to debunk these myths and start your investment journey? Contact us today to learn how we can help you achieve your financial goals through smart and strategic investing.

03/07/2024

I decided to take on the role of general contractor for my pickleball / basketball court project. I've invested time and effort into laying the groundwork. My hope is that this foundational work turns into a beautiful court for family and friends to enjoy. I’ve learned new skills and by being involved in the process I have a true sense ownership. With each completed task, I'm closer to realizing a dream that I’ve had for years!

Joel Zerbe
Vista Cima Wealth Management

01/16/2024

Rock climbing and financial planning both require a strategic approach, clear goals, and mastery of essential skills. Just as a climber meticulously plans each ascent, financial planning begins with well-defined objectives. Both activities demand a keen understanding of the terrain – whether scaling rocks or financial peaks – to chart a successful course. Here are 3 steps to help you in both endeavors:

Step 1: Plan Your Ascent – Set Clear Goals 🧗‍♂️
Just as rock climbing demands a strategic approach, financial planning starts with well-defined goals. Outline your short-term and long-term objectives, envisioning each step like a climber mapping out a route. Whether conquering a challenging climb or saving for the future, a clear plan is your foundation.

Step 2: Navigate Your Financial Crux – Budgeting Mastery 📊
In rock climbing, the crux is the toughest part of the ascent. Likewise, budgeting is the financial crux. Skillfully manage your income by distinguishing between essentials and luxuries. Conquer financial challenges with precision, much like a climber navigating the crux with determination and expertise.

Step 3: Rely on Your Financial Guide 🤝
Just as climbers trust experienced guides to navigate challenging terrains, seek financial guidance from experts. A knowledgeable advisor is like a seasoned guide who knows how to use the financial equipment properly. They'll help you navigate the twists and turns of the market, ensuring a safe and successful journey to your financial summit.

Embark on the adventure of scaling boulders and financial peaks. With strategic planning and the right guidance, you'll reach new heights!

05/30/2023

05/04/2023

Coaching isn’t about teaching a person how to win, it’s teaching a person how to become.

My son finished his first wrestling season as a freshman wrestling varsity. It’s a new school and a new program. The team had a few upperclassman so most of the varsity was made up of freshman. I wondered how my son would do in a new sport at a new school with new coaches in a new program.

The coaches did a great job, teaching my son how to wrestle and compete at a high level. They taught him discipline, hard work, and gave him a solid foundation on which to build his wrestling skills. More importantly, they taught him how to become a good man. They taught him about respect, loyalty, unity, trustworthiness, and how to be true to yourself.

My son is a good young man who almost always does what he has asked to do. Throughout the season, he became even more respectful and obedient. I noticed him being kinder to his brothers and involving them more. He became more committed to his faith, and I think he was asked to do there. He set goals for his life beyond high school that demonstrated a maturity I had not seen before. These coaches taught my son how to be a good wrestler, but more importantly, they taught him how to be a great man.

These coaches taught my son how to become.

-Brandon Klippel

05/02/2023

Although it can be fun to dream of all the possibilities we can take in life, there comes a point when we need a gameplan. Setting and sticking to goals can seem tedious, but as soon as we're willing to put in the work with a strategic plan aligned to our values, we'll feel a sense of fulfilment and things will start to go in the right direction.

04/27/2023

Amanda and I are grateful to have such a wonderful friend who encourages us to play pickle-ball and stay active. Vyan is inclusive and a connector of people. She builds unity in total strangers. I met Vyan 22 years ago and she treated me then like she does now: like family.

Our lives now look very different but Vyan’s perspective remains the same: people are important and kindness matters. I hope to be more like Vyan and see and love others the way she does.

-Joel Zerbe

04/07/2023

“Good things come to those who wait”, “Patience is a virtue”. These phrases are easy to say but putting them into practice can be a challenge.

Patience is a quality that most people aspire to have, but it can be so hard to wait! Every year, tulip bulbs are planted in the fall, and it takes several months for them to grow from deep under the soil and bloom into their beautiful, vibrant colors. We can learn a lot about patience from tulips and their journey to bloom. Just like the tulip, we may run into challenges, but with patience and perseverance, we too can rise above the struggles of life.

Research suggests that patient people tend to be more cooperative, more empathetic, and more forgiving. Having patience can also help us achieve our long-term goals because we won’t give up when things get difficult. So, let’s take a page from the tulip’s book and remember to be patient, trust the process, and enjoy the journey.

-Chelsea Prince

03/29/2023

I was in college. It was a Thursday in October. I was on a flight from Phoenix to Salt Lake City for my sister’s wedding. Once we were up in the air, like we all do, I began to think back through my day. It was then that I realized that I had forgotten to turn in an assignment. I had been working so hard to try to get into the national honors society for the program that I was in. Now, it was over. All I could think was… Preston… you blew it…

Earlier that day, I had received feedback on a communication exercise in a different class. I would lose a significant number of points because of one term that I used during the exercise: “highly orchestrated.”

“You can’t use words like that,” my professor told me, “people won’t understand your message.” Pridefully, my thoughts echoed “that’s not my problem, I didn’t choose to stop learning in Jr High!” I let these thoughts get the best of me. I became so angry that I stormed off campus without turning in a simple assignment in an easy class.

We wouldn’t be back to Phoenix until the following Monday. My grade would drop from an A to an A-. No more honors society. By reacting the way that I did, I gave away the ability to choose my actions.

I would continue to do my best in the program. I would still go on to graduate with honors, though not as high as I had hoped.

I learned a lot while in college, but it was on that October Thursday that I learned just how much my emotions could affect my ability to make decisions.

-Preston Rhoades