Ever since I was a little girl, I knew I was different but not in the normal way that one wants to be. My first recollection of this was in second grade. I was not pretty by normal standards in fact my nickname was “Buck Tooth Beaver”. Kids can be so cruel. If I couldn’t be the “pretty girl” at least I could be the “smart girl” or “nice girl”. At times it was very painful to be teased, but at other moments I knew it was NOT who I was. I knew deep in my soul that I was special. My second grade teacher, Mrs. Succop told me so. (God bless her, wherever she is today!) She wrote on my report card,” You can truly tell Lisa has Jesus in her heart through her words and actions. She is Jesus’ little lamb.” (I think my mom still has that report card today if you want to see it! Ha!)

Mrs. Succop had the kindest spirit and inspired me to have a caring heart. She was an example of a servant and I wanted to be like her. Years later, as a CFP®, I take my calling to serve very seriously. I am blessed to serve wonderful clients who have trusted me through the good and bad times of the stock market…. And some downright UGLY times.

Sometimes you have to go through a little ugly to end up prettier on the other side… Growing up on five acres in rural Chicago, my dad taught me and my three siblings that horse manure made the crops grow. Sometimes you just have to dig deep, shovel the sh##, and be patient and the garden would flourish. Same can be applied to investments. Even though last August the market stunk like manure; the DJIA was around 15,400 but if you dug deep and did not abandon your crops, a year later The DJIA(8/29/16) closed at 18,668. History has shown that some of the ugliest sectors, the year following can be the best sector. Will this be true for oil investments?

Patience paid off for my clients this year and patience also paid off for the little eight year old, “buck tooth beaver” . I embrace the hard lessons. God sometimes brings us through the tough times, to build trust. As a CFP® I am thankful my clients have learned to trust me and know that eventually things do turn around…and I am thankful for those mean girls too. They gave me the motivation to work harder, be smarter, but most of all, just like my childhood days shoveling manure in the barn, they dished me the crap… so I could blossom. I learned the hard lesson that with the right amount of “crap”… eventually everything would be smelling like roses.

…Romans 8:28 “And we know God works all things for good for those who love him.”… EVEN The Bad stuff!

So what is your ugly story? How did your “bad” turn to good? Where did patience finally pay off?

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