11 Secrets of Financial Planners

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You share your darkest money secrets with your financial planner. You even tell him about the time you spent your last pennies at Starbucks, because without caffeine, how could you work? This is the person who is supposed to sort out your life so that you can buy everything your heart desires, after all—or so we want to believe. We found out whether financial planners judge your shoe-buying habit, whether they get mad if they have to repeat themselves time and time again (we hear what we want to hear), and why they don’t always follow their own advice.

1. SOMETIMES, THEY GET A LITTLE ANNOYED WITH YOU.

“I grimace when friends or clients get involved with multi-level marketing endeavors, thinking it’s a quick way to make money,” says Quentara Costa, a certified financial planner in Massachusetts. These MLMs, including LuLaRoe, Matilda Jane, and others, rarely last more than a year, but according to Costa, the outlay of funds and time you pour into developing and understanding the product could have been better spent pursuing other means of career development. “While well-intentioned, it’s my least favorite method of supplementing income because it can take years to develop business and trust within the community, as with any business venture,” he explains.

2. THEY DON’T ALWAYS APPROVE OF YOUR CAR-BUYING WAYS.

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Meghan Chomut, a certified financial planner in Thunder Bay, Ontario, says she can’t stand it when her clients overspend on vehicles. She even has a golden rule about it: The total value of all your vehicles and motorized toys shouldn’t add up to more than half of your annual income.

3. BUT THEY UNDERSTAND THAT YOU’RE GOING TO FORGET ABOUT SAVING MONEY DURING YOUR VACATIONS.

This is the time when clients tend to go off the rails, says Bill Ryon, co-founder and managing partner of the Dover, Delaware-based Compass Investment Advisors. Whenever Ryon sees clients taking distributions that are larger than what’s called for within their financial savings plan, he knows that they’re going on an international trip. “It can be a little bit of a sensitive conversation, since it is their money and I want them to enjoy themselves," he says, "however not at the expense of derailing their plan or jeopardizing their lifestyle in the future."

4. THEY BLAME YOLO.

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“If you can’t afford it, you shouldn’t do it,” Chomut says. “But then #YOLO, and all of a sudden, you’ve booked a trip to Florida. Or #FOMO you are going out to eat at a fancy restaurant with friends and putting it on a credit card," she says. "The struggle is real.”

5. THEY TOTALLY EXPECT TO REPEAT THEIR ADVICE OVER AND OVER AGAIN.

Warren Ward, senior planner with WWA Planning and Investments in Indiana, says that many years ago, his doctor told him that about half the medical issues he dealt with in his practice were optional: people overate, refused to exercise, or smoked. But they still wanted their doctor to keep them healthy. “He responded by repeating his good advice, and making medical interventions when appropriate,” Ward says. “Just like that physician, we care about our clients, and will patiently repeat our advice at every visit, knowing from experience that people can change over time and become more financially healthy.”

6. EVERY FINANCIAL PLANNER HAS THEIR OWN FINANCIAL TRICKS TO PASS ON.

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Ward is a huge fan of the “cash envelope system,” he says. Basically, you map out your spending for the week, and put that amount of cash into an envelope. “Mapping out your spending for the week allows you to know where your money goes instead of wondering where it went,” he says.

7. SOME WANT YOU TO FOCUS ON THE BIGGER PICTURE ...

“The secret is that all retirement planning is income planning and everything else is detail,” Ryon says. “I’ll have to repeat that several times, but that’s it. It helps them to focus on what’s really important and what they are planning for.” Essentially, he says, you’re saving and investing to sustain your lifestyle for at least 30 years after you retire. So if you focus on the fact that all of your retirement planning is income planning, then you’ll be able to think of your money as a machine that’ll pay the bills once you stop working.

8. ... OTHERS WANT YOU TO THINK ABOUT EVERY DOLLAR YOU SPEND.

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The key is to make a budget every single month, Chomut says. “Every dollar overspent is a dollar you have to either work harder for tomorrow, or a sacrifice you’ll have to make later.”

9. THEY DON’T ALWAYS FOLLOW THEIR OWN ADVICE ...

Ward says that the most difficult part of financial planning is convincing his clients to plan for death. That means setting aside money for the kids’ education and naming a close friend or relative as a potential guardian for those children ... just in case. “Just like my clients, I’m slow to face updating my estate planning documents,” Ward says. We don’t blame him!

10. ... BUT THEY STILL WISH YOU WOULD TRUST THEM ...

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“In our modern age of 24/7 news coverage, I think people tend to put too much emphasis on interpreting the latest headline, and then trying to act tactically in response,” Ward says. “Whether this involves making an investment decision based on world affairs, or following the weather minute-by-minute prior to a vacation, we prefer that they think strategically, formulate a plan and stick to it—of course allowing for periodic review and adjustment.”

11. ... BECAUSE AT THE END OF THE DAY, THEY’RE THE EXPERTS.

“I struggle watching one of a couple—usually the husband—claiming expertise that’s actually incomplete,” Ward says. After all, he doesn’t brag about medicine when he goes to the doctor, nor does he claim knowledge of the law if he visits a lawyer. “I try not to be judgmental, but this is an area where I struggle,” he says.

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12 Behind-the-Scenes Secrets of Easter Bunnies

This child clearly can't get enough Easter Bunny in her life.
This child clearly can't get enough Easter Bunny in her life.
Dan Kitwood/Getty Images

Every year, thousands of families, church groups, and event planners enlist entertainment companies to dispatch a costumed bunny for their Easter celebrations. These performers often endure oppressive heat, frightened children, and other indignities to bring joy to the season.

It can be a thankless job, which is why Mental Floss approached several hares and their handlers for some insight into what makes for a successful appearance, the numerous occupational hazards, and why they can be harassed while holding a giant carrot. Here’s a glimpse of what goes on under the ears.

1. They might be watching netflix under the mask.

Has a bunny ever seemed slow to respond to your child? He or she might be in the middle of a binge-watch. Jennifer Ellison, the sales and marketing manager for San Diego Kids’ Party Rentals and a bunny wrangler during the Easter season, says that extended party engagements might lead their furry foot soldiers to seek distractions while in costume. “We book the bunny by the hour and he is often booked for multiple hour blocks,” she says. “Listening to music definitely helps the time pass.” One of her bunny friends who does a lot of shopping mall appearances has even rigged up a harness that can cradle a smart phone. “It sits above the bunny's nose, resting right at eye level for the performer inside, easily allowing the performer to stream Netflix, scroll through Facebook, or check emails.”

2. They can’t walk on wet grass.

Bunnies that appear at private functions, like backyard parties or egg hunts, have to maintain the illusion of being a character and not a human in a furry costume. According to Albert Joseph, the owner of Albert Joseph Entertainment in San Francisco and a 30-year veteran of Easter engagements, one of the cardinal rules is never to set foot on wet grass. Why? “They wear regular shoes under their giant bunny feet,” he says. “If they step on wet grass and then walk on cement, they’ll make a human foot print, not a bunny print.”

3. There’s a reason they might not pick up your kid.

Bunnies might be amenable to posing for a photo with your child on their lap, but they’re probably not going to grab the little tyke and sweep them off their feet. According to Steve Rothenberg, a veteran performer and owner of Talk of the Town Entertainment in Rockville, Maryland, deadlifting a kid is against the rules. “The last thing you want is to lift them up and have them knock off your head,” he says.

4. Giant carrots will invite inappropriate behavior.

A person dressed as the Easter bunny.
As the 3-foot-long carrot proves, adults are easily the least mature guests at a child's Easter party.
lisafx/iStock via Getty Images Plus

Joseph’s warren of party bunnies usually come equipped with a 3-foot-long giant carrot as a prop. While children are amused by the oversized vegetable, the adults at the parties usually can’t help making observations. “Practically every visit, there’s always someone saying, ‘My, what a big carrot you have,’” he says.

On one occasion, Joseph attended a function at a retirement home. One of the women, who he estimated to be in her 80s, commented on his big feet in a lascivious manner. “She told me she was in room 37.”

5. Clothes make the bunny.

Easter bunny at the White House.
Every year, a well-dressed Easter bunny visits Washington, D.C. for the annual White House Easter Egg Roll.
Mark Wilson/Getty Images

While “naked” (i.e., unclothed) bunnies remain popular, Ellison’s lineup also includes Mr. Bunny, a “classy lad with a top hat and vest,” and a Mrs. Bunny sporting a purple dress. Why would kids care if a bunny has sartorial sense? “Kids can probably better relate to a giant, furry character if it's dressed like a human,” Ellison says. “[And] we just thought the costumes looked cute.”

6. They can’t wear dark clothing underneath.

If a bunny wants to wear a black shirt under his or her fur, it stands to reason there wouldn’t be any issue: It's all hidden from sight. But Joseph insists that his cast stick with white apparel only. In addition to being cooler, it serves a practical function. “There’s always an opportunity to see a little something around the neckline or near the feet,” he says. Light clothing helps preserve the character.

7. They use an upholstery cleaner for their heads.

Most bunny costumes can be tossed in any regular washing machine, with the feet going in a larger commercial-use unit. But the heads, which are typically massive and unwieldy, get special attention. “You know those upholstery cleaners you can rent from a grocery store?” Joseph asks. “We use those. There’s a wand attachment to it for cleaning carpet.”

8. There’s a trick to keeping cool.

Costumes made of fake fur in the spring can be a recipe for disaster—or at least some lightheadedness. While none of the bunnies we profiled had experienced fainting spells, Ellison says that the trick to staying cool is actually adding a layer underneath the outfit. “Light, breathable clothing underneath the suit usually does the trick, but some people choose to wear an ice vest under the suit as well.”

Many bunnies also work in intervals: 45 to 50 minutes “on,” and 10 to 15 minutes in a private area to cool off and drink water. “Clients are usually understanding and sympathetic of the bunny and will allow even more breaks if necessary,” Ellison says.

9. Mints are essential.

Bunnies may favor carrots and grass, but their human operators need something other than that in order to deal with the humidity. Rothenberg says that his bunnies usually nibble on mints while working a crowd. “They’ll typically chew gum or have some kind of mint to keep their throat from drying out,” he says.

10. They use bunny handlers to prevent knockdowns.

A person dressed as the Easter bunny.
An Easter Bunny makes a young girl's day.
Alex Wong/Getty Images

Any professional bunny knows that having an assistant watching their back is the best way to ensure an appearance goes smoothly. “Your vision is limited and you can’t really look to the left or right,” Rothenberg says. “Having an assistant prevents kids from running up behind you.”

11. They have damaged butts.

In order to ease apprehensive kids, Joseph advocates for his bunnies to squat near a child rather than bend over. “It gets them at a child’s level so they can touch and feel for themselves,” he says. “But a bunny that does a lot of squatting winds up needing their [costume] butts re-sewn. I’ve repaired a lot of them.” Joseph will also invite mothers to sit on the bunny’s lap so fearful children are more likely to approach. “You don’t want to prod the kid,” he says.

12. They’re not just for easter.

While bunny costume season is a fleeting few weeks, companies are happy to roll out their rabbits for other occasions. Once, Ellison sent out a bunny for a customer’s Alice in Wonderland-themed gathering. “The client wanted the White Rabbit, so we dressed up our bunny in a vest and top hat and gave him an over-sized pocket watch. It worked out great.”

This piece originally ran in 2017.