Category Archives: Investing in my true self

Financial Industry Old Paradigm Must Change

The Big Short – Time to Change?

The entire financial industry has it wrong!

Last night, Ronda and I watched academy award winning movie:  The Big Short – And yes, heads should have rolled! But more importantly to our present day: we, as a financial industry, are still focusing on the wrong things!BigshortLet me ask you something: What’s your true currency?

I love to ask this question when I meet with a new client (or even when out to dinner with friends). You see, when I ask that question, I get one of two answers: “What do you mean?”  …Or “[X] million dollars”

The real answer to this question in my book is this:

It’s your time, your energy, your love, your wisdom, your knowledge, your ability to be present in the moment that is your true currency.

These are the values that build your life and what you leave behind as your legacy. Your money should support those core currencies – and the life that they create, not the other way around.

When we focus on the money first – on our “rate of return” over and above a life vision, we inherently constrict to decision-making based on fear of loss while losing the larger significance of money being held in service to our core values and larger life meaning.

Most people believe that having a financial investment portfolio is merely one of setting up a structure – a safe harbor for protecting one’s future – something that is set up “for us” by a financial banker (or a Merrill Lynch-type advisor as depicted here in “The Big Short”) who asks little about your values, vision, or changing circumstances – an official looking professional who takes on a kind of patriarchal role of managing something “far too complicated for you to safely handle or worry about”.

…And most of us are more than happy to relieve ourselves of our own responsibility for making sure that our money is in service to our true life currencies. And that’s a big part of how “The Big Short” was created (and will be created again if we let it).

Our financial industry is outdated. It is no longer working as currently set up. it must change. WE MUST CHANGE.  We, as buyers of financial services, must change our own attitudes and responsibility for self-reflection if we are to avoid more of the same patriarchal misalignment of service and misuse of our financial assets.

When we as financial service buyers still hold financial investment strategies separate and independent from our real life currencies (our time, our talent, our vision, our love) we lose connection, and thereby any integrated sense of control or timely decision making.

With the loss of integrated connection to our own investments as they relate to our daily life decisions, we enter into a lot of “unknowns”… and unknowns create fear:  Fear of market losses; fear of not having enough; fear making new decisions; fear of stretching and growing our lives; fear of spending our money on what truly matters.

Most of us end up putting our heads in the sand, let the “advisor” handle it, and just hope for the best. What’s juFinancial Industry Old Paradigm Must Changest happened here? We’ve just lost power; we’ve just given it away. …Does financial concerns and 2am staring at the ceiling ring a bell?

So why can’t your traditional wire house or these robot-advisors just manage your money and you go about building your good life?

I’ll try and highlight just why this is so important:  It’s because both your life, and your finances, are organic, changing systems. They are both in flux all the time. It’s because the reality of life is that it is ever-moving and changing – and many times in unpredictable or unanticipated ways.

If both your money management and your life circumstances and values are not correctly aligned and “talking to one another” on the go, in real time, they cannot produce an effective fueling of your life. It’s that simple really.

So for example: In a life-affirming responsible approach to your investment management , you MUST know – in real time – how each life event or decision (large and small) along the way influences or will effect your overall liimages-1fe vision, future solvency, and immediate needs …And then, adjust accordingly and correctly in that moment.

This kind of real time financial navigation system* is the critical connector that the old paradigm stock brokers, and that the robot-advisors, are not trained – nor capable – of doing.  And that’s precisely what’s so critically missing in our financial industry today.

When I work with a client, I start with your dreams, wants, and wishes; we find that spark that makes you feel happy and excited deep inside – and then we follow that trail and build a financial plan that supports that path. This is a process of self-discovery that will last a lifetime. Each new doorway will lead to another opening that you could not have conceived of until you got to that particular next bend in the trail.Make your money work for you clements financial Ojai California RIA

Life is ever changing; life is on the move.

A great financial strategy is a very closely attended one that is in a flexible and evolving relationship with that moving expanding life of yours.

What do you want from life? What do you want from your money? Is more always more? Where does peace of mind and the ability to experience your true life currencies all along the way fit in to your financial picture?

If you want to live your true-life currencies and experience your true wealth in life, please:

  • Find someone who will take the time to really understand all aspects of your life; someone who will ask the small questions, who will make suggestions, and celebrate your path.
  • Make sure they have the history and the credentials to manage your investments appropriately,
  • and MOST importantly make them show you their process for connecting your life with your finances – in real time.
holistic ethical financial investment advisor ojai California

Matt Clements, RIA – Ojai, California

I hope we never see another “Big Short” – or anything like it – played out in this country. But we are all responsible for making the change by what we accept and demand.

My advice (as a Registered Investment Advisor who nearly quit the industry out of dismay for how it was being run, until I took matters by the helm and changed everything about how I approached it) is this:

  • Don’t accept anything less than a real, responsible, aligned and transparent ongoing communication with your advisor. Be an active partner.
  • Find an advisor who has done his/her own inner wisdom work – one who will not only expect and encourage you to find and identify your life legacy, but who will share and demonstrate those core values too.


Ask about Clements Investment Management Inc. Financial Navigation System and Setting Up Your Own Full Retirement Analysis Private Visioning Retreats.

And if you’ve not yet seen The Big Short  (or better yet,  read the original book and NY Times best seller by Michael Lewis) it’s something we should all know so we can all help avoid it happening again…

Investing In Your True Self

…If Not Now, When?

By Ronda LaRue-Clements, M.S.

I wonder what would happen in your life if one day you said:

“Enough! It’s time for me!  I am going to take time out to go in. I am going to make time to find and reconnect with myself and with what really matters!”

i need time for myself spaWhat would happen if — when the “nay saying voice of reason” came in and filled your head with all the justifiable reasons you cannot possibly take the time, spend the money, or leave your family obligations for 3-4 days to retreat from the world and to reconnect with you — if you consciously overrode that seeming logic, and took the “Illogical leap of faith” to invest in yourself, in your spirit, in listening for life’s deepest meaning and purpose?

I mean really:  WHAT WOULD HAPPEN?….

finding time for meWhat would happen do you think if you realized that by taking time out to go in, you were (in truth) making the greatest life investment you could ever make: for your self, your loved ones and our world, would you pass it by?

And what are we (actually) turning away from in our lives by not taking this time for self-renewal?

If you’re like me, you  may have a very hard time taking high quality “me time”.  And by high quality I mean something other than simple distraction-entertainment: something that really gives you time to be with yourself and that brings new clarity and a deeper sense of who you really are.

What might your authentic self look like, feel like, do yet in this world?

finding my life purpose retreat… Here’s a probing question:  Can you (or I) really afford to turn away from our own truth and beauty? And at what price?…

Having gone through my own loss of soul and studied the paths of psychology, mysticism, world sacred texts, shamanism, health and medical research – all in hopes of finding my way back to an inspired life, I now have the honor of working with hundreds of women and men who come from all over the world to work with me as I help them too discover their path of purpose and spiritual self-connection. And I can now say unequivocally this:

The places where we have each most struggled in life; the places we have the most self-doubt or heart ache or questions, are invitations to “Remembering Who You Really Are” (as the title of my first book suggests).

images-3These life struggles that bring us to our knees – and eventually (if we allow it) to letting go into a new way of seeing, offer us the bridge to breaking through our stuck-ness with old patterns and subconscious attitudes we didn’t even consciously choose in the first place!

What most people don’t realize is that feelings of being stuck, over-burdened by life’s obligations, disconnected from a sense of self, suffering a loss of deep meaning or purpose: these are universal feelings and life experiences that offer truly amazing and often very surprising dividends!  …if one has the courage and the commitment to create the time and space to learn the secrets of soulful re-discovery, conscious self-healing,  and a life on purpose.

All of the various struggles in life can be realized as growing pains asking us to look again – to look deeper – and to find the joy of becoming whole and true to one’s unique genius.

It can be so difficult to justify taking the time – and spending the money – on oneself!  It took me till I was in my 50’s to actually spend the money on a real retreat for me …so many competing costs that are seemingly more necessary.  I was wrong. And I’m always really inspired and proud of the women and men who come work with me, because I know what they had to overcome to have the courage and commitment to do it! Not easy.  Pain is often a great teacher…

The truth I’ve come to see over and over again without exception, is this:

investing in ones selfOur times of deepest despair and confusion in life are seeds sprinkled on the ground of life waiting for each of us to say:  “There must be something more!! I am going to invest this life in finding out what it means to awaken to life’s richest meaning!”

Here is the daily truth we so easily forget:  We are only ever alive within each moment, here and now. Now is where your life is played, nowhere else!

FAMILY-articleLargeIt is good to reflect upon how we spend each moment and what values these actions and attitudes are endowing upon our life.




Look at it this way:

Each momenCoinst, another coin of your lifeline is being spent.

  • In what are you investing with the coins of your life? 
  • Will you invest in finding your true self?


  • Will you invest in following your life’s very own unique genius?


For the next week, every night write down all the places you invested your time and resources during the day. (Don’t forget TV, alcohol, social engagements, time spent worrying on some future “what if”; on beauty, shopping etc.).  Don’t excuse or rationalize your choices, just remain curious and look. Simply get acquainted with where you are implicitly placing your life’s values by ways you spend your time spent. Don’t judge as good/bad, right/wrong. Simply LOOK and SEE…  

Then sit down for 15 minutes or so in a comforting place, close your eyes, breathe deeply, and ask your mind to go to the background for just a bit so that you can hear from your soul  (that inner quiet place). Then simply ask your heart and soul what qualities long to be truly lived in your life.  You aren’t seeking an objective answer. You only need to go inwardly quiet and sense into these qualities that long to be more fully expressed in your life. The simple process of seeing and sensing from your soul is enough to sprout a seedling on your path of growing wisdom.   Now that’s a wise investment!

…If not now, when?


ronda larue spiritual finanancial retreats with Matt Clements RIA

Ronda LaRue-Clements is an internationally sought author, teacher, life coach, and founder of SoulArts Retreats.  And she is Matt Clements wife and creative partner.

Ronda has over 30 years experience as a corporate consultant and owned her own market research firm for many years. After publishing her first book: Remembering Who You Really Are, in 2003, people began contacting Ronda for guidance; thus becoming her evolving vocation as teacher and guide in the art of self-healing and realization of one’s authentic life path.

Today, people travel from all over the world to work with Ronda privately as individuals and couples, and small groups. Ronda and husband Matt Clements, live and work side-by-side at their artisan home in charming Ojai, California. Please see Financial Clarity Mapping Retreats as well as other SoulArts Events, Apprenticeships and Retreat opportunities with Ronda here.