Lisa Sakai
speaker
90 appearances
2 recordings
1 series
first heard Jun 2024
last heard Jun 2024
Lisa Sakai’s voice in public audio — every appearance, attributed to the second.
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Appearances
You might be calling Fidelity and getting them the death certificate. It's not that easy of a process. And so having just one company to call and say, here's the death certificate. Send me the death benefit moves a lot faster. And so you don't have to come out of pocket necessarily for that.
And your loved one wanted you to use that money and put the rest of their estate for your use, for your growth.
Yeah, it is. You know, we start with, you know, what are your goals? But most of the time, this isn't really covered in goals. Goals are dreams, aspirations. I try to get people to dream big. Like I want them to really kind of tell me what their biggest goals are, right? But then we pull back to what keeps you up at night. And that's a very difficult question.
You know, like what keeps you up at night? What's your fears? Because people don't want to talk about that. So they'll start to say, and I have found that people will say what they think people want them to say, what they think that they're supposed to say. So, oh, taking care of my loved ones, not leaving debt.
I'm not saying that that's not what they want, but they say it in a way that I know that that's something that they've read or they've been told that they're supposed to care about. So I just start asking questions like, if something should happen tomorrow. And I usually will use a story, a personal story or something to talk about.
I've said, what would you want to make sure we have in place for your kids, for your family, for your husband or your wife? Like, what are we trying to accomplish? What would you want them to be able to do? And so we kind of go into that and I just start pushing. Like I listen, I don't have like a set amount of questions. But I really believe we have two ears and one mouth for a reason.
And I really listen. And I start to ask more and more questions and start to push them into a place that they're really uncomfortable. And it's hard. I mean, it's very difficult to push people to that uncomfortable because they are squirming. They do not want to talk about this. And I get that. And they don't like me very much at that moment.
But by pushing through the uncomfortable, we get to what they really want. Yeah. And we get them to make educated decisions. That's my goal is I tell people, look, you don't have to do anything. We could go through insurance. We could go through disability insurance. We could go through all this different stuff. And you might decide not to choose any of it.
But I want you to make an educated decision because right now you're just making the decision to not decide on it. And a decision is being made for you. rather than you have control of the situation and go, I don't feel like we need that. And that's okay. I've had clients who would go through the whole process on talking about insurance, going through the ins and outs of it, how it works.
And they go, no, here's our game plan. And as long as I check in with them every year and make sure that they're, they still feel that that's the right game plan for them.
I don't force them to do it because as long as we have an idea of how we're going to handle something or that their situation or their strategy is still fitting the circumstances that they want and what they think about, that's the most important thing. But I really think my job is to push people outside their comfort zone, um, And I don't take that lightly. I don't like it.
I'm kind of a people-pleasing person. And I had to address that a long time ago because you can't do this job well if you're people-pleasing. You can't. I have a saying that I write down in my journal every day, which is digging so deep that I can touch the bottom of the ocean. That's what I do with clients. And I think by having that conversation, I write full notes about
After conversations that they have in writing, they see that what we talked about was clear to me what they want. And I think over time, we might not address these things for a couple of months into our relationship. Because it is very personal. Insurance, as much as people don't think, is a very personal conversation.
Not only are you talking about legacy and you're talking about what they want, what they truly want, they have to feel comfortable saying, I want these two kids to have something and this kid I don't. And you have to be able to get them to that comfort level to say that. So I don't really jump into insurance right away.
I talk about that's where the bucket list planning and stuff really helps open up that relationship. And that's why I always say, you know, when you're buying insurance, make sure that you're building a relationship with who you're buying insurance with. They've got to understand who you are, because if you're not sure why you have it two years later, that wasn't the right person to buy it from.
Yeah. So I was one of those women that didn't understand anything about finance like 14 years ago. I have a story that I tell and it's 100% true where my husband was talking about, oh, should we move some money from our bank account to something that got a better interest rate? And I remember looking at him going, interest rates are for loans. What are you talking about? I don't understand that.
But I wouldn't say it to him. I was so afraid of looking so stupid. And this is my husband. We had just got married. I should not be ashamed of saying, I don't understand. But I was embarrassed because I thought, I don't know anything about this. He's so much smarter than I am, blah, blah, blah. And I recognize that with women. We tend to have a lot of women who...
are afraid to say, I don't understand that. Or if they say, I don't understand it, they make it about them being stupid or not good at math or something like that. And really, we're not getting the education. And I'm going to say we as everyone is not getting the education on this. Nobody is teaching this.
I heard Morgan Housel, who wrote The Psychology of Money, say this, and I think he's absolutely 100% true. The two most important things are health and money, and we don't teach either in school. And he's absolutely right. I don't know why we don't touch on money on personal finance at all in school, but we don't. And I think it's because of the psychological aspect associated with both.
And it's okay that we weren't taught it, but we have to take control and go, how do I become better educated on things? Because My worst clients, I always say, are the ones that have moved their money from one person to me and say, well, I don't need to know about it because you're my girl and you got it. I don't like that.
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