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Windus Fernandez Brinkkord, AIF®
Managing Vice President

"I help give people the vision of what their money will be able to do for them giving them clarity on what they are working towards! I want to help people reach their WHY."

WINDUS FERNANDEZ BRINKKORD

Windus is committed in helping her clients attain the wealth they need to reach their desired goals. She provides people the guidance they need to stay focused and the support required to persevere when they are least likely to do so, knowing that this will help her clients succeed.

Windus is a third generation Californian and a second generation San Diegan. She was raised in the community of Ocean Beach, which attributed to her love of the water. Today she still loves to surf and enjoys snorkeling and hiking. She is a supporter of the California State Parks System, is a Formula One racing fan and loves to travel to exotic places with her husband, Kurt. They were married in Fiji in 2004, and have since been to Peru to hike Machu Picchu and surf Costa Rica and Belize. Kurt & Windus reside in Solana Beach, California with their two children & much-loved dog Akio; who is a Shiba Inu they rescued.

Windus’ husband Kurt is a kidney cancer survivor (diagnosed in 2007). Kurt and Windus feel very strongly in supporting research to find a cure for cancer. Windus walked the “3 Day Breast Cancer” walk in November of 2006 and is a member of Imerman Angels (www.imermanangels.com). Imerman Angels is a non-profit group that works to pair cancer fighters with survivors and the families for support in persevering through their diagnosis.

Following Kurt’s cancer, the couple adopted first their son Bradley in December of 2010, and then his little sister (one year later) Eloise in December of 2011. They are amazing children that bring nothing but joy to Kurt & Windus. Bradley was just 3 weeks old when they adopted him and Eloise was 8 weeks old when they adopted her. The children are just 11 months apart!

Windus is a member of Connected Women of Influence, Hera Hub, and Corporate Alliance. Windus is currently an advisory board member for Wounded Warrior Homes. Wounded Warrior Homes strives to provide transitional housing for soldiers that have been affected by Traumatic Brain Injuries (www.woundedwarriorhomes.org).

 

Windus' Client Relationships

Windus and her team support a wide variety of clients, but here are some of the groups she has built her practice around.

The Three Buckets Principle

The world of finance is tricky to navigate. With so many options available for your investments, it can seem complicated and daunting when trying to plan for your financial future.

The three buckets principle is a way of simplifying the complex and is suitable for people with substantial savings as well as people who are just starting out. Whether you’re well established in your career or fresh out of college, setting up your three buckets should be a priority.

How does it work?

The three buckets are:
Bucket 1: Emergency Funds
Bucket 2: The Goal Bucket
Bucket 3: Retirement Bucket

Bucket 1 - Emergency funds

Expect the unexpected and make sure you’ve planned financially for it.
 
Unanticipated costs can be devastating financially. Getting laid off work, writing your car off or escalating medical costs, for example, can set you on the financial back foot for many years.
 
Bucket number 1 creates a buffer of cash that is only to be used for such emergencies. By having this bucket available, it means that should the need arise you won't be dipping into other savings or going into debt to cover the cost.
 
How much to save in your emergency fund bucket  
Aim to have 3-6 months’ worth of living expenses here. Add up all your monthly costs, such as mortgage, bills, transport costs, and groceries, and that will give you the total to aim for.

Bucket 2 - The goal bucket

This bucket is for your short to mid-term financial goals. Savings for your kid's college, a down payment on a house, or even saving for a vacation can go in this bucket.
 
How much to save in your goal bucket
This is effectively disposable income so anything left over after you’ve attended to your monthly outgoings and buckets 1 and 3 can be added to bucket number 2.
If you've managed to fill bucket 1 already, you can use that cash to start filling bucket 2. 

Bucket 3 - Retirement bucket

It's never too early to start saving for retirement, so you should aim to have this bucket set up as soon as you possibly can, ideally, as soon as you enter the workforce.
 
How much to save in your retirement bucket?
Aim to save 15-20% of your gross income for retirement. If your company offers a 401(k) plan, deposit part of your bucket 3 money there. If you don't have access to a 401(k) plan, consider a Roth or traditional IRA to maximize your investment.


Bucket 3 is made for investing as you want to maximize your returns for your golden years. 


These three buckets will help you successfully save for your future. It's a good idea to attend to buckets 1 and 3 first. Once you have them filling nicely, you can look to start filling bucket number 2.
This simple strategy is easy to follow yet priceless for effective financial planning. If you haven’t got yours set up yet, make it a priority to do so.


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

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MEET WINDUS' TEAM MEMBERS
 
GARY SUSSMAN
WEALTH ADVISOR 
 

DUSTIN HOLT
WEALTH ADVISOR
 
DANIEL JAVIER
WEALTH ADVISOR
 

 

 
 

Securities offered through LPL Financial, Member FINRA/SIPC. Trilogy investment advisor representatives offer investment advice through Trilogy Capital, Inc., a registered investment advisor. Some investment advisor representatives (IARs) of Trilogy Capital are not registered or affiliated with LPL Financial. Trilogy Financial and Trilogy Capital Inc. are separate entities from LPL Financial.

Read Windus in the National News

 
 
 

CALL WINDUS DIRECT AT
(858)  314-5169

ASK WINDUS A QUESTION

 

 
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