An Intelligent Woman, the Story of the Woman Who Influenced this Investment Manager

She was feisty, quiet, spiritual, and loving.  She didnt’ believe in talking about others who were not present.  At one time she stood 5′ 2″ tall.  As a child she worked hard milking cows, collecting eggs from the chicken coop, mucking stalls, and then heading to the house to help her Mom with cleaning.  I know, because I read her diary.  Only because she let me read a page or two.  Each page talked about the chores, dawn ’til dusk.  Not in a bitter tone, but a conversational description of her life as a teenager growing up on the farm in a family of eight children, a Father that was a preacher, lumber man, and proprietor of a construction company.  You see they lived in a small rural town in Wisconsin.  It was a tough job feeding a family of ten. 

There was absolutely nothing spectacular about this lady.  She walked fast, whistled while she walked even when the air was so cold the snow squeaked under foot.  She brought six children into the world.  The last one, a girl, born at Mrs. Boltice’s house, the midwife.  Her husband wasn’t very good at bringing a regular paycheck into the house, so she had to cook, clean, shop, attend school functions, and make money, too.  She didn’t complain.  Each day, as she came back from cleaning someone’s house, she went to the desk, took out a black journal, wrote something down beflore she closed it and placed it back in its cubby hole.  Inquisitive as I was, nosey some might say, I opened up that journal to see what she was writing.  It didn’t look like much.  A list of things followed by a dollar amount.  Ironing: $1.50, Wash and fold clothes: $1.00, House clean: $3.00, and the list went on.

This intelligent woman, my Mother, tracked each nickel that came into and went out of our home.  She kept us fed, clothed, and warm.  She lived a simple life with no debt.  She provided my first lessons in money management.  Oh, how lucky I have been. 

I hope I can share some of what I’ve learned over the years, as her youngest child, as a student, teacher, investment manager, and friend.  Through book reviews, commentary, and stories I will teach you about investing.  But, let me share with you right up front…. writing to you is a new experience and likely a real reach for me.  So, if you will be patient, over time and with your feedback, I’ll get better.  Atleast, that’s my plan.

Investment Management Coach Blog Launch

Hi, I’m Rita Janaky, an investment management coach located in Colorado Springs, Colorado. I work with intelligent women who want to take control of their financial futures. They are typically women who either earned it, inherited it or received it through divorce, and found themselves suddenly facing important investment decisions. I am not a financial planner – I am an investment manager.  And, I consult with people who are looking to buy a business or sell their current business. 

Why do I do this work? Because I enjoy helping women remove stress from their lives by showing them how to make financial decisions that are aligned with their values or beliefs and ultimately helps them meet their goals. Basically, I want them to feel comfortable with the information so they can make more informed choices.

I have been an advisor since 2001.  In February 2004, I started Golden Hills Financial Group, LLC, a Colorado registered investment advisory firm.  This is an independent fee-only advisory firm. 

Portfolios we create for clients can be moved without disrupting the portfolio because the securities we buy are not proprietary.  For instance, if an advisor represents a firm whose securities are sold only through their advisor network, when a client becomes dissatisfied or heirs want to use a different advisor, the assets must either be sold, creating potentially large cap gains tax liabilities or an advisor within that same network must be utilized.    If our clients or their heirs elect to move, their entire portfolio can be transferred to another advisor with no penalty.

We believe that the markets are generally quite efficient.  That means we rely on exchange-traded funds, index funds, and low cost mutual funds when building client portfolios.  These are low-cost, tax efficient securities that keep more of our clients money working for them.

I am a Licensed International Financial Analyst, hold an M.B.A. and a B.S. in Business Administration, emphasizing finance with a minor in economics.  I have taught finance and investments at 2 universities, for the American Association of Individual Investors (AAII) Colorado Chapters, as well as public seminars.  

The goal of this blog is to educate.    In particular, to educate women who want to become better investment managers or those women who want to learn more about ’how to sell their business’ or ‘how to buy a new business’.