Cody Hybiak: SEM Financial Advisor

Cody Hybiak: SEM Financial Advisor Free financial planning to help you have financial success! No minimum required to get started! I have been with SEM since March 2017.

I received my Bachelor of Science degree in Business Administration (Accounting emphasis) from the University of Arizona. In 2021, I became a Chartered Financial Consultant (ChFC) from The American College of Financial Services.

06/05/2026

Is a car a need... or a want?

It’s not a simple yes or no answer.

Check out this short clip for the answer. You can also watch the full clip about Needs vs Wants on YouTube: https://youtu.be/-QuDVofZhvg

What do you actually get from your financial score?This isn’t just a number. It’s clarity.Clarity – see your current hab...
06/04/2026

What do you actually get from your financial score?

This isn’t just a number. It’s clarity.

Clarity – see your current habits
Insight – understand strengths and blind spots
Focus – know what to improve first
Action – get simple next steps
Confidence – move forward with a plan

Instead of guessing, you’ll finally know what matters most for you right now.
Head over to WhatsMyScore.net to take the 5-minute FREE financial assessment and win a FREE HydroJug (limit one per family, while supplies last).

What’s your newest skill or hobby? Learning something new takes effort, and so does growing in your faith.The remainder ...
06/03/2026

What’s your newest skill or hobby? Learning something new takes effort, and so does growing in your faith.

The remainder of the year, we’re diving into 2 Peter and exploring what it means to live a life of holiness in a world full of distractions and confusion.

Stay tuned next week for practical insights, reflection questions, and encouragement to press on in your walk with Christ.

06/02/2026

Filming with Toby is always an experience 😂
He nails it every time… until we hit record.

Funny ✅
Frustrating ✅
Worth it ✅

Stick around this summer—we’ve got plenty of BTS Bloopers coming

06/01/2026

Summer’s here (unofficially)... but what about everything else changing just as fast?

From shifting seasons to the rise of AI, there’s a lot we don’t have figured out yet... and that’s okay!

Check out this week’s blog as Cody discusses what’s currently going on, what it could mean for investors, and why honesty matters more than guessing: https://tradersblog.semwealth.com/mmm7-22/

05/29/2026

Be honest... how often do you stop for gas and grab a drink or snack while you’re at it?

That’s why we recommend:

- Groceries = meals + essentials
- Convenience stores / eating out = separate category

Because those “small” stops can quietly (and quickly) throw off your budget.

For more on determining your needs vs wants for your budget, check out the full YouTube video: https://youtu.be/-QuDVofZhvg

Ever feel like you’re trying to make money decisions without really knowing the score?Most people are doing their best w...
05/28/2026

Ever feel like you’re trying to make money decisions without really knowing the score?

Most people are doing their best with what they know, but they’ve never stepped back to see the full picture. This is exactly where this starts.

WhatsMyScore.net has a simple 5-minute assessment that helps you understand where you are financially and what to focus on next. No pressure, no complicated process, just a clear starting point.

No matter where you are, you can take the next right step.

Need even more of an incentive to take the assessment? Just for completing the assessment, you get a free (limit one per family, while supplies last).

This month, we’re exploring a practice that feels both simple and incredibly challenging in our noisy, fast-paced world:...
05/27/2026

This month, we’re exploring a practice that feels both simple and incredibly challenging in our noisy, fast-paced world: carving out intentional moments of quiet with God.

We talk about…
- Why silence feels uncomfortable
- The difference between external and internal noise
- Jesus’ surprising rhythm of withdrawal in Mark 1
- How overworking reveals our trust (or lack of trust) in God
- And how even five quiet minutes can reshape the health of our souls

If life feels full, fast, or noisy, this one is for you.

Come read, reflect, and maybe, just maybe, breathe a little deeper today.

Read the full post here: https://tradersblog.semwealth.com/ruthless-elimination-3/

05/26/2026

That 82% gain since late 2023.... that’s not normal.

Will the market continue at this pace, or will we see it revert back to the long-term average?

Read more in this week’s blog: https://tradersblog.semwealth.com/mmm7-21/

05/22/2026

Summer throwbacks are here!

We’re revisting our favorite “Money Talks with Dad” moments, starting with: Needs vs Wants

First debate: Dunkin’ iced coffee

(Corryn says it’s a need... we’ll let you decide)

Check out the full video all the way back from Season 1: https://www.youtube.com/watch?v=Ih_6OALSzbo

Address

7367 E Tanque Verde Road
Tucson, AZ
85715

Opening Hours

Monday 8am - 3pm
Tuesday 8am - 3pm
Wednesday 8am - 3pm
Thursday 8am - 3pm
Friday 8am - 3pm

Telephone

+15207494580

Website

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