A Dollar a Day

Time Value of Money & Why It Matters for Investing

Money today is worth more than the same amount in the future due to:
Compound growth (earning returns on returns)
Inflation erosion (future dollars buy less)
Opportunity cost (money not invested loses potential)

How Financial Advisors Add Value

  1. Math That Matters

    • Calculate exactly how much to save monthly to hit your goals

    • Show the real cost of delaying investments (e.g., waiting 5 years could require 2x monthly savings)

  2. Managed Money Advantages

    • Automatically reinvest dividends to compound faster

    • Rebalance portfolios to maintain optimal growth

    • Tax-loss harvesting to keep more money working for you

  3. Behavioral Guardrails

    • Prevent emotional withdrawals during market dips

    • Ensure required distributions don’t sabotage long-term growth

Key Insight: $10,000 invested at 7% for 30 years becomes $76,000 – but only if left untouched. Advisors help money stay invested optimally.

Smart management turns time into your richest asset.

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network. The foregoing content reflects the opinions of Jay Kadlec and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Jay Kadlec

Hi, I’m Jay Kadlec, the owner of Chalk Money, LLC. I work with you to find the critical financial risks that proper financial, estate, and insurance planning could avoid, lessen, or at least bring you awareness of what could substantially impact your life. My philosophy is straightforward: put the client’s needs first, deliver exceptional experiences, and provide tailored solutions that truly fit.

First and foremost, I am a teacher. I use real-talk, plain-speak rather than industry jargon so that you have a plan you can understand. Your story and where you’re trying to go matter most to me.

Your goals change over time, so I “plan in chalk.” I adapt and fight for your ideal outcome, ensuring that you come first (aka being your fiduciary). I’ve served in this capacity since 2018 and will continue until at least 2055. I will likely be there for you, your children, and your grandchildren—with Americans living longer, I may even be a resource to your great-grandchildren!

My background has given me valuable experience in understanding how various financial tools can work together. I believe in creating non-cookie-cutter strategies that are efficient and designed to stand the test of time. Clients trust me for my transparency, professional integrity, and personalized approach. I am an Investment Advisor Representative (CRD# 7047900), licensed insurance producer (NPN# 18005247) for Accident, Health, Life, and Long-Term Care Insurance, Mortgage Loan Officer (NMLS# 2343444), and serve as a Tennessee Notary.

When I’m not working, I enjoy spending time in the mountains of Knoxville, Tennessee, with my family, playing board games or pickleball with friends, or brainstorming new ways to make my services even more impactful for my clients.

I also aim to inject some fun along the way…so be warned, some puns may make you cringe.

Let’s connect! Feel free to reach out or learn more about my work at www.chalkmoney.com.

Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network.

https://www.jaykadlec.com
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