By: Carleen Saeger, M.S., OTR/L, CFNC, RYT-500hr, Reiki Master/Teacher, USAT L1 with
Special Guest Author and my husband, BMO Financial Professional Andy Saeger, CFP®, AAMS®, AWMA®
The holiday season brings joy, celebration, and connection with loved ones. But for many, it also brings financial stress that can impact overall well-being. While we often discuss wellness in terms of physical and mental health, financial wellness is equally crucial to our total health picture.
The pressure to create perfect holiday experiences can lead to overspending, credit card debt, and anxiety that lasts well into the new year. According to financial experts, holiday spending often increases by 30% compared to regular monthly expenses, with many Americans taking on additional debt to cover gifts, travel, and entertainment.
Financial stress can manifest physically through:
Disrupted sleep patterns
Increased blood pressure
Heightened anxiety
Weakened immune system
Strained relationships
To help our community navigate these challenges, we're excited to feature my husband and BMO Financial Professional Andy Saeger, CFP®, AAMS®, AWMA®. With his extensive credentials and experience, Andy provides valuable insights into maintaining financial wellness during the holiday season and beyond.
We invite you to watch Andy's presentation here, where he shares practical strategies for:
Creating a realistic holiday budget
Managing financial expectations
Planning for long-term financial health
Building sustainable spending habits
For more resources and information, visit the webinar archive at The Adel B. Korkor Foundation.
Remember, true wellness encompasses all aspects of your life - including your financial health. This holiday season, give yourself the gift of financial peace of mind.
If you'd like to further discuss your financial needs with Andy, please email him at Andy.Saeger@BMO.com
Andy Saeger, CFP®, AAMS®, AWMA®
Lead Financial Advisor and Relationship Manager, BMO
Andy Saeger is a distinguished financial advisor at BMO specializing in comprehensive wealth management for high net-worth individuals, families, and closely-held family businesses. With his extensive certifications as a Certified Financial Planner™ professional (CFP®), Accredited Asset Management Specialist℠ (AAMS®), and Accredited Wealth Management Advisor℠ (AWMA®), Andy brings sophisticated expertise to complex financial situations.
As a lead advisor, Andy takes a holistic approach to wealth planning, carefully analyzing each client's unique lifestyle requirements, family dynamics, professional goals, and philanthropic interests. He excels in developing and implementing customized wealth management strategies, coordinating with specialized Client Strategy Teams to ensure comprehensive coverage of all financial aspects.
Andy's particular strength lies in navigating highly complex cases for high net-worth clients, where his ability to synthesize multiple financial objectives into coherent, adaptable wealth management plans has proven invaluable. His commitment to ongoing plan evolution ensures that clients' changing needs and market conditions are consistently addressed, maintaining alignment with their long-term financial vision.
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