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3 Questions to Ask Before You Use Your Emergency Fund

3 Questions to Ask Before You Use Your Emergency Fund

You know the drill—something breaks, wears out, or costs more than you can cash flow. So where does the extra money come from? If you’re following Dave Ramsey’s seven Baby Steps, you’ve got two options: dip into your emergency fund or start a savings fund.

Your emergency fund is the money you’ve saved for those unexpected costs that would otherwise blow your budget, like a midnight trip to the emergency room. Your savings fund is the money you’ve been socking away toward a future goal, like a cruise to the Bahamas.

But not every situation is as clear-cut as medical bills and island getaways. So what classifies as a true budgeting emergency?

Brandon Kennedy: Owner/Financial Consultant

Brandon Kennedy: Owner/Financial Consultant

Brandon has a passion for helping families make smart decisions about their money. He believes genuine relationships are a cornerstone of doing business the right way, and they need to be based on two foundations – trust + accountability. He takes pride in educating and helping others, and strives to live his life with integrity and Christian values. A lifelong resident of Southeastern Michigan, Brandon is a devoted husband to his high school sweetheart, Danielle. They are the proud parents of three, Logan, Henry, and Juliet, and live in Rochester Hills. Brandon is a die-hard baseball and Detroit Tigers fan, and is a supporter of local youth baseball organizations. You can also find him building things in his worksop, speaking in movie quotes, and working on cars. Brandon graduated from Oakland University, earning his Bachelor’s degree in Finance. He has also achieved the Accredited Asset Management Specialist, AAMS, which provides specialized training in providing comprehensive financial planning. He is a board and active volunteer at his local church and offers personal finance educational seminars and courses throughout the year, including Dave Ramsey’s Financial Peace University. Fun Fact: He spent 60+ hours taking rough cut Walnut lumber and building a one of kind crib for his children and hopefully grandchildren (one day). Favorite Movies: Pan’s Labyrinth, Gladiator, Fight Club Why He Loves His Job: “We help take the burden off the shoulders of families, so they can have more of the most precious asset in this world – spending time with each other.” Contact Brandon: brandon@kennedyfinancialgroup.org 248. 528.0485 For more information on this advisor click the link...
Kevin Chupack: Financial Consultant

Kevin Chupack: Financial Consultant

Kevin believes relationships are built on integrity, honesty, trust, and loyalty. Prior to joining Kennedy Financial Group, he worked as an investment advisor representative at a local registered investment advisor. He has worked with a range of clients, from high net worth families to those just starting to grow their portfolio. He loves being able to help families and businesses strive to reach their financial goals. Kevin has a very extensive knowledge of all investment & portfolio management, business and personal business retirement plans, and estate and succession planning. Kevin is a resident of Southeastern Michigan, where he met his wife, Erin. They are proud parents of their two children, Lily and Andrew. He has a Bachelor of Arts degree in Finance from Michigan State University, is a huge Spartans fan (although he married a Wolverine), and sadly a Detroit Lions fan. Kevin has been a sports fan his whole life which transpired into his passion for fantasy leagues. He is a proud supporter of the D, and all that Detroit and Michigan have to offer. Kevin enjoys being involved in the community, spending time with family, going on bike rides, or just messing around with his kids. Fun Fact: His favorite quote came from a fortune cookie – “knowing and not doing is equal to not knowing at all.” Favorite Movie: Shawshank Redemption, Gladiator, Rounders, European Vacation Why He Loves His Job: “It’s one of the only careers that you grow with your client for the long term. I am part of this journey with our clients and ultimately that’s invaluable to me.” Contact Kevin: kevin@kennedyfinancialgroup.org   For  more information on this...
Lauren Reisig: Client Relations Manager

Lauren Reisig: Client Relations Manager

We are committed to providing you with excellent customer service catering to your specific needs and Lauren plays a vital role in making sure that happens. From answering every phone call with a smile to making sure you feel comfortable the moment you step through the door to helping plan events and, in general, being Brandon’s right hand, Lauren’s number one priority is you. Lauren’s ultimate goal is to make sure you have the absolute best experience possible with us. When she isn’t eagerly awaiting a client phone call, Lauren enjoys spending time with her husband and their puppy, Leia. She loves all things musical. Not only is she an avid concert attendee and record collector, she plays acoustic guitar, sings, and writes music. People and music are her two passions in life and she is thrilled that through work and her personal life she has found a way to satisfy both. Fun Fact: In spite of her age, Lauren is a “connoisseur” of (embarrassing) 90’s pop music and knows all the words to hits such as TLC’s “No Scrubs.” Favorite Movies: Amelie, Django Unchained, Singin’ in the Rain Why She Loves Her Job: “You get to meet and talk to people from all walks of life every day, and it is a constant learning process. Every day holds something new which makes it exciting!” Contact Lauren: lauren@kennedyfinancialgroup.org...
Wedding Budget Blues: How to Plan the Wedding of Your Dreams Without Breaking the Bank

Wedding Budget Blues: How to Plan the Wedding of Your Dreams Without Breaking the Bank

The story is familiar to us all: Once upon a time, there were two people who fell madly and deeply in love. They decided to spend their lives together and host a beautiful wedding to celebrate. They found the perfect dress, the perfect cake, the perfect venue, the perfect rings– they had it all. Then, they lived happily ever after–under a formidable mountain of debt.

Contact Us Today to Learn More

Interested in working with Brandon? Give us a call today. The first meeting is no cost- just an honest conversation about your experiences with money, your short and long term goals, and what’s currently in place.

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