Friday, April 18, 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

  • Recent Posts

  • Enter your email address to subscribe and receive notifications of new posts by email.

  • .

    News

    Goodbye LUPPU, hello LRPU

    By Chris Daley | From Page: A1, 4 Comments

     
    Past due state taxes bring arrest

    By Cole Mayer | From Page: A1, 9 Comments

     
    Sanford trial: Prosecution, defense rest

    By Cole Mayer | From Page: A1 | Gallery

    Woman, dog back from Oso

    By Wendy Schultz | From Page: A1, 9 Comments | Gallery

     
     
     
    DA candidate to remain on ballot

    By Dawn Hodson | From Page: A9

    Dog talk with Uncle Matty: Benji and the Bickersons

    By Matthew Margolis | From Page: A10

     
    CPCSD seat unfilled

    By Dawn Hodson | From Page: A14, 1 Comment

    Lew Uhler backs Ranalli

    By News Release | From Page: A14, 6 Comments

     
    .

    Letters

    District 4 candidate

    By Letters to the Editor | From Page: A7, 33 Comments

     
    Open meetings

    By Letters to the Editor | From Page: A7, 6 Comments

    Volunteers and homeless camps

    By Letters to the Editor | From Page: A7, 76 Comments

     
    Bicycle events and traffic control

    By Letters to the Editor | From Page: A7, 7 Comments

    Evacuation

    By Letters to the Editor | From Page: A7, 6 Comments

     
    .

    Sports

    Jennings wins national title

    By Democrat Staff | From Page: A11, 1 Comment | Gallery

     
    Savannah Stephens can swing the bat

    By Jerry Heinzer | From Page: A11 | Gallery

    King of the West roars into Placerville

    By Gary Thomas | From Page: A11

     
    First and goal: Bunt etiquette

    By Mike Bush | From Page: A11

    Oak Ridge suffers tough 2-1 setback

    By Mike Bush | From Page: A11

     
    Roundup: April 17, 2014

    By Democrat Staff | From Page: A12 | Gallery

    .

    Prospecting

    Plantastic sale this Saturday

    By Dawn Hodson | From Page: B1 | Gallery

     
    Things to do: April 18, 2014

    By Democrat Calendar | From Page: B2

    Spring art brightens government center

    By Democrat Staff | From Page: B2 | Gallery

     
    Student art featured for Third Saturday

    By News Release | From Page: B3

    Time out: A grand time at Grand China

    By Earle Camembert | From Page: B3 | Gallery

     
    Temple Kol Shalom hosts Passover Seder

    By News Release | From Page: B3

    Promenade in high style

    By Historic Old Sacramento | From Page: B4

     
    Sac State Presents ‘Gypsy’

    By California State Unversity, Sacramento | From Page: B4

    Friday nights are engaging at the de Young

    By Fine Arts | From Page: B5

     
    Hats On For the Kids raises money for children

    By Democrat Staff | From Page: B6

    See what is inside the vault

    By Center For Sacramento History | From Page: B6

     
    Eggstravaganza

    By Fairytale Town | From Page: B6

    Gallery tips a hat to Dr. Seuss

    By Democrat Staff | From Page: B7

     
    Museum presents ‘Diesel Days’

    By California State Railroad Museum | From Page: B7

    Duty: Army Pfc. Kyle W. Beasy

    By Democrat Staff | From Page: B8

     
    Engagement: Adam Frega and Wednesday Bienusa

    By Democrat Staff | From Page: B8

    Duty: Air Force Airman Brian Polk

    By Democrat Staff | From Page: B8

     
    Cal Stage presents a season of challenging productions

    By California Stage | From Page: B8

    KVIE calls for artists

    By Kvie | From Page: B9

     
    A Couple of Blaguards tell tales

    By Harris Center for the Arts | From Page: B9

    America’s ClayFest II celebrates a rich history

    By Blue Line Arts | From Page: B14

     
    See wildflowers on train ride

    By Railtown | From Page: B15

    Easter at Northstar is family friendly

    By Northstar California | From Page: B15

     
    Fine Arts Museums feature two shows

    By Fine Arts | From Page: B15

    .

    Essentials

    Crime Log: March 28-30

    By Cole Mayer | From Page: A2

     
    .

    Obituaries

    Arthur W. Cornell

    By Contributor | From Page: A2

     
    Frank “Bud” Kraus Jr.

    By Contributor | From Page: A2

    Roy Cluness Chaix

    By Contributor | From Page: A2

     
    Frederick Wilbur Heymann

    By Contributor | From Page: A2

    .

    Real Estate

    Faster sales with spring staging

    By Ken Calhoon | From Page: HS4

     
    Coldwell Banker outsells the competition

    Press Release | From Page: HS7

    Handsome Redmond suits modern families

    Press Release | From Page: HS11

     
    Growing your own

    By Marni Jameson | From Page: HS14

     
    Fraud workshop scheduled

    Press Release | From Page: HS21

    HCD launches assistance program

    Press Release | From Page: HS22, 1 Comment

     
    EZ Mortgages Inc. opens Placerville office

    By News Release | From Page: HS22, 2 Comments

    .

    Comics

    Rubes

    By Contributor | From Page: A13

     
    Tundra

    By Contributor | From Page: A13

    TV Listings

    By Contributor | From Page: A13

     
    Sudoku

    By Contributor | From Page: A13

    Speed Bump

    By Contributor | From Page: A13

     
    Working It Out

    By Contributor | From Page: A13

    Shoe

    By Contributor | From Page: A13

     
    New York Times Crossword

    By Contributor | From Page: A14

    Horoscope, Sunday, April 20, 2014

    By Contributor | From Page: A14

     
    Horoscope, Saturday, April 19, 2014

    By Contributor | From Page: A14

    Horoscope, Friday, April 18, 2104

    By Contributor | From Page: A14

     
    .

    Home Source

    Faster sales with spring staging

    By Ken Calhoon | From Page: HS4

    Coldwell Banker outsells the competition

    Press Release | From Page: HS7

    Handsome Redmond suits modern families

    Press Release | From Page: HS11

    Growing your own

    By Marni Jameson | From Page: HS14

    Fraud workshop scheduled

    Press Release | From Page: HS21

    HCD launches assistance program

    Press Release | From Page: HS22, 1 Comment

    EZ Mortgages Inc. opens Placerville office

    By News Release | From Page: HS22, 2 Comments