Wednesday, April 23, 2014
PLACERVILLE, CALIFORNIA
99 CENTS

Shari Merle helps simplify financial planning

By
From page WIB5 | January 28, 2013 | Leave Comment

Financial planner Shari Merle encourages everyone to plan a solid financial future. Don't trust that everything is done; get involved. Democrat photo by Pat Dollins

Financial planner Shari Merle encourages everyone to plan a solid financial future. Don't trust that everything is done; get involved. Democrat photo by Pat Dollins

After 26 years as a Certified Financial Planner, Shari Merle said nothing surprises her anymore. From her LPL Financial office in El Dorado Hills she has seen some things stay the same and some things change.

In spite of the fact that more women are college graduates, and work outside the home, Shari finds that men are still typically handling the money. “Even when the couple doesn’t commingle funds,” said Shari. “Usually the man comes alone to review the couple’s finances.

“People are busy, and it’s easy to defer dealing with financial questions,” she continued. Shari said there is a lot of trust involved when only one person in a relationship handles all the money. Sometimes that trust is not deserved, she said. She told of one woman who came to her when her husband died and his pension stopped. The woman assumed that he had provided for her. Shari was able to negotiate a pension for her with the retirement system.

“Women outlive men,” she said. “People are living longer, and many of those years are not years when people are working to earn income.”

Shari said another reason to plan financially for the future is that more than half the marriages in California end in divorce. “The No. 1 cause of divorce is money,” she said. “People have different priorities and they don’t communicate them. They assume the other person has the same priorities.”

People also have different styles. One may be more aggressive about spending; the other may be more conservative. One may want to stay in the same home for as long as possible; the other may look forward to moving somewhere else. Her job is to find the balance between the differences.

Shari invites people who are interested in creating or reviewing financial plans to make an appointment for a free consultation. “This is the time to find out if we fit,” she said. “It’s not about financial transactions. It’s about becoming partners.”

She can provide a review of clients’ current financial picture or, more actively, manage investments in an advisory account.

Shari said financial professionals have different ways of pricing their services — by time spent, by commission or by fees. Shari goes by fees. “It’s transparent. There is no ‘load,’ no buried fees.”

Shari works with LPL Financial. She said that LPL Financial is the No. 1 independent broker-dealer company in the country, giving her the freedom to select from many options for her clients. “I have no quotas, and there are no proprietary investments.”

She sends a reminder to her clients for a semi-annual review, and recommends at least an annual review. As life changes, so do financial needs, she said. One example that is not uncommon is a major illness. Shari reviewed and adjusted a financial plan for a woman who had been diagnosed with Parkinson’s disease. The woman’s grown children were brought in for that discussion, said Shari.

Shari’s son, Stephen, became a certified financial planner and joined his mother. “We work as a team,” she said, adding that she has no intention of retiring. “I love making a difference in people’s lives.”

Contact Shari Merle by e-mail at shari.merle@lpl.com or call 916-933-2117. Her office is located at 981 Governor Drive, Suite 101, in El Dorado Hills. For more information visit sharimerle.com.

LEAVE A COMMENT

Discussion | No comments

.

News

Downtown group coordinates painting, awnings

By Wendy Schultz | From Page: A1

 
More mountain lion sightings reported

By Dawn Hodson | From Page: A1, 8 Comments

 
Supervisor Nutting trial begins

By Cole Mayer | From Page: A1, 102 Comments | Gallery

Sanford murder case to jury

By Cole Mayer | From Page: A1 | Gallery

 
Herard over the back fence: Try fishing at Wakamatsu

By Bob Billingsley | From Page: B1

Gearing tax questions to correct office saves time

By Treasurer-Tax Collector | From Page: A3

 
.

Opinion

My turn: More than a buzzword

By Special to the Democrat | From Page: A4, 73 Comments

 
Building restored

By Mountain Democrat | From Page: A4

 
Outstanding dog

By Mountain Democrat | From Page: A4

.

Letters

‘Parents, be afraid’ letter

By Letters to the Editor | From Page: A5, 53 Comments

 
Ukranian situation

By Letters to the Editor | From Page: A5, 5 Comments

Misquote

By Letters to the Editor | From Page: A5, 11 Comments

 
Altshuler framing

By Letters to the Editor | From Page: A5, 9 Comments

National Day of Prayer

By Letters to the Editor | From Page: A5, 7 Comments

 
.

Sports

Pedal power at the forefront next month

By Jerry Heinzer | From Page: A6 | Gallery

 
Outside with Charlie: Transitioning

By Charlie Ferris | From Page: A6

Pitching the ‘Root’ cause of Trojans’ victory

By Mike Bush | From Page: A6 | Gallery

 
Sports Scene: April 22, 2014

By Democrat Staff | From Page: A7

Roundup: April 22, 2014

By Democrat Staff | From Page: A7 | Gallery

 
.

Prospecting

4-H’ers star at showcase

By Dawn Hodson | From Page: B1 | Gallery

 
At a glance: Look for fireballs

By Mimi Escabar | From Page: B2, 1 Comment

Authors to share their stories

By Pat Lakey | From Page: B2, 2 Comments

 
Church to host human trafficking conference

By Pollock Pines | From Page: B3

Grow For It! Flower of Easter

By Barbara Schuchart | From Page: B5

 
.

Essentials

Crime Log: April 1-3

By Cole Mayer | From Page: A2

 
Weather stats 4-22-14

By Michael Raffety | From Page: A2

Building permits 4/7-11/2014

By Michael Raffety | From Page: A2, 1 Comment

 
.

Obituaries

Bobby Lloyd Bridges

By Contributor | From Page: A2

 
Harry Frank Harper

By Contributor | From Page: A2, 6 Comments

Marion “Wayne” Griswold

By Contributor | From Page: A2

 
.

Real Estate

.

Comics

New York Times Crossword

By Contributor | From Page: A8

 
Flying McCoys

By Contributor | From Page: A8

Speed Bump

By Contributor | From Page: A8

 
Tundra

By Contributor | From Page: A8

Horoscope, Thursday, April 24, 2014

By Contributor | From Page: A8

 
Horoscope, Wednesday, April 23, 2014

By Contributor | From Page: A8

Working It Out

By Contributor | From Page: A8

 
TV Listings

By Contributor | From Page: A8

Shoe

By Contributor | From Page: A8

 
Sudoku

By Contributor | From Page: A8

Rubes

By Contributor | From Page: A8