Claire Williams

| Financial Planning | Helping clients achieve personal, professional, and financial goals |

[Claire Williams @Claire______w]

@GuyTalksFinance @investingnrd Exactly! Too many people forget this or just don’t understand

[Claire Williams @Claire______w]

Quite an interesting thread ☕️

People don’t realize truly how much planning and analysis goes into every single thing we consume.

[Trung Phan @TrungTPhan]

Starbucks annual sales is ~$40B across 37k+ stores.

At such scale, it’s very profitable to shave a few seconds off each order.

Per Bloomberg, Starbucks would make an extra ~$900m a year if each store served 5 extra patrons per day.

That’s why Starbucks is spending $450m on a new bar setup called Siren System (video below), where the key ingredients — dairy, pumps, caffeine, ice — are placed in a new optimized counter.

Take a Mocha Frappuccino:

▫️Under the existing system, it takes 16 steps and 87 seconds
▫️Under Siren System, it will be 14 steps and 36 seconds.

There are currently 383 billion potential drink combinations at Starbucks. And orders have gotten so ridiculously elaborate, that the average wait time is 5 minutes.

Why does Starbucks put up with the extra? Cause “extras” on the order are worth $1B a year.

For people like me — who just want a simple black Trenta iced coffee — it’s kinda annoying.

The Siren System will be in 40% of US stores by 2026. Can’t wait for the full rollout to more efficiently put caffeine down my skull.

[Thomas Kopelman 💵 @TKopelman]

The longer you invest

The better the odds

[Claire Williams @Claire______w]

These ideas could help you avoid overspending. https://t.co/cTd3v21HFO

[Claire Williams @Claire______w]

Want to feel better? Have stronger friendships? A new survey finds that people who report better health and stronger friendships are also working with a financial advisor and planning their finances. Please reach out if you’d like to get started. https://t.co/MVhU6SWF57

[Claire Williams @Claire______w]

401(k)s are one of the most popular ways to save for retirement. But they’re just one tool. Reach out if you’d like to learn more about how a 401(k) works with your broader financial plan. https://t.co/H5HDsFYw63

[Claire Williams @Claire______w]

Taking stock of your budget at the midyear point is a great way to keep tabs on your fiscal health. https://t.co/QcQvlQCN3u

[Claire Williams @Claire______w]

Read Northwestern Mutual Wealth Management Company Chief Investment Officer Brent Schutte’s thoughts in this week’s Market Commentary. https://t.co/jk59U7Z0Ax

[Claire Williams @Claire______w]

People who report feeling more confident about aspects of their financial lives all have one key thing in common. https://t.co/Rcmjfhz82O

[Claire Williams @Claire______w]

The latest Northwestern Mutual research finds Americans making more progress in paying down their debts. While debt may seem bad, it isn’t always. Please reach out if you’d like to talk about your financial plan. https://t.co/tYmmkIKE5i

[Claire Williams @Claire______w]

Assessing one component of your financial plan each month is a great way to keep tabs on your fiscal health. https://t.co/DWnxpyA7SH

[Claire Williams @Claire______w]

Happy Fourth of July! Today’s the day to enjoy everything from a neighborhood BBQ, fireworks with the family, or even festive chalk art. However you celebrate, my Independence Day wish for you is to live the life you want—today and every day after.

[Claire Williams @Claire______w]

Permanent life insurance can be an important part of your retirement plan. Please reach out if you’d like to talk about your retirement plan. https://t.co/n5SdyoTBcY

[Claire Williams @Claire______w]

See how you stack up and get tips to help you maximize your savings. https://t.co/YOvAM2H5VH

[Claire Williams @Claire______w]

Roth IRAs are a great way to help minimize the amount you’ll owe in taxes over time. See more about how they work and please reach out if you have any questions or would like to discuss adding one to your financial plan. https://t.co/EpEoLvx8v1

[Claire Williams @Claire______w]

Today, we celebrate #Juneteenth and reflect on its historic significance. At the same time, we look ahead to future generations and the legacy we can all help build. Here are some ways we can create a legacy and start new #Juneteenth traditions. How are you creating a legacy?

[Claire Williams @Claire______w]

Getting enough into an emergency fund is a key financial step, but it’s important to look at how much you are saving in the context of your broader goals. Please reach out if you’d like help. https://t.co/ahyej91ti6

[Claire Williams @Claire______w]

Financial planning is important for everyone, but is especially key for the LGBTQ+ community. I understand that you have unique needs that we can build your plan around. Find out how I can help you get started.

[Claire Williams @Claire______w]

Here’s something that might surprise you: 1 in 4 of today’s 20-year-olds will experience a disability by age 67. (Source: U.S. Social Security Administration, April 2021) But I can help protect your ability to earn a living so your goals won’t get derailed. Let’s talk about it.

[Claire Williams @Claire______w]

I’ve got your back, no matter how you might prepare. Haven’t started thinking about it yet? No prob. Get started by reaching out to me.

*Planning and Progress Study, 2023