CCM Insights | September 4th, 2025
A Newsletter by Compass Capital Management
Life Disruption
BY: JIMMY J. WILLIAMS, CPA/PFS, CFP®, CRPC™
You are prepared to retire in five years having saved sufficiently all of your career. Your health is good and you have confidence you will be fine during the next phase of life. Then… your health suddenly becomes an issue. A doctor’s visit becomes a referral to a cancer specialist. As fear starts to invade your otherwise calm and confident mindset, you need someone who has experience in these types of life disruptions to guide you through the maze of challenges that lie ahead.
If the above scenario sounds far too familiar, it is. One of the most difficult challenges of life is to think everything is accounted for and you are doing well in your preparations for a future of travel, family and supporting your favorite civic group. However, as I often state to our clients, “life gets in the way.” If only the plan for the future could be an arrow upward in a straight glidepath, we would never need to plan for contingencies such as a health scare.
Do you have your estate documents in good order? Have you planned to appoint a successor heath care proxy should your mate or current appointee become unable to serve in the role? What about your physician’s directive? Does the current situation change your mind about life sustaining hydration and nutrition in light of the possible terminal illness? The importance of maintaining these documents in a current status is to provide you, and your family, with the confidence that you are prepared for life’s inevitable disruptions.
Have you provided your spouse with the names, addresses and account numbers of your life insurance policies and carriers? What about your pension earned decades earlier awaiting you to reach the age of distribution? Have you given the information to your spouse to claim the potential spousal benefits? When reviewing your employee benefits each year, consider your beneficiaries on life insurance, retirement accounts and trusted contact for purposes of communicating for you when you are incapable of doing so.
A Look Inside This Issue:
- Life Disruption
Do you have everything accounted for?
2. Medicare Supplement Event
CCM is hosting a Medicare Supplement Education Event just in time for enrollment.
3. Welcome Back Anna!
Anna A. went on her Honeymoon Last week & our team sure did miss her!
4. CCM Celebrates
A glimpse on how OUR TEAM spent their Labor Day weekends!
As a Chartered Retirement Planning Counselor™ professional, we believe it is in the client’s best interest to focus on the most important matters instead of only their money. When facing a life-or death situation, priorities quickly realign to become more about health, family, and lifestyle and less about how well the stock portfolio is doing. Of course, a reasonable rate of return is always a desire but it pales in priority compared to months of chemotherapy or radiation to attempt to regain your health.
My sister was diagnosed with acute leukemia. She had three children at home ages, 12, 8 and 3. The news was devastating to our family! Her husband and she had moved into their new home only a few weeks when the phone rang to deliver this life challenging diagnosis. Her doctor asked her to make an appointment as soon as possible to begin the treatment for this disease. Fast forward a year. My energetic, vibrant sister lay in a hospital bed with tubes attached to her body to keep her alive. She did not have a physician’s directive or Do Not Resuscitate Form prepared for such an event. Why? I failed to mention that she was only thirty-five years of age.
We are not in control of all aspects of life. However, we should take initiative and be proactive on the matters that we can control. Seek out a review of your life plan, or to assist you in the preparation of one, by contacting a CERTIFIED FINANCIAL PLANNER practitioner who specializes in comprehensive life planning. As an old Boy Scout, I am often reminded of the motto “Be Prepared” which should be a mantra for all of us. Fear of life fades in the path of active and intentional planning. You see, life is far more than the money you possess. Ayn Rand, in her bestselling novel, “Atlas Shrugged,” is attributed with one of my favorite quotes about money: “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” Life is a highway, lace up your shoes and start walking to enjoy it!
Jimmy J. Williams, CPA/PFS, CFP®, CRPC®
CEO and President
Jimmy J. Williams, CPA/PFS, CFP®, CRPC® is the CEO/President of Compass Capital Management, LLC, a registered investment adviser and wealth management firm with offices in Tulsa and McAlester, Oklahoma. He specializes in creating plans for retirees and near-retirees to realize their bigger future by utilizing tax-efficient strategies in the areas of proactive retirement plan accumulation and distribution, estate preservation and cash flow planning.
Check the background of investment professionals on FINRA’s BrokerCheck.
REGISTERED PRINCIPAL SECURITIES OFFERED THROUGH CAMBRIDGE INVESTMENT RESEARCH, INC., A BROKER/DEALER, MEMBER FINRA/SIPC. JIMMY J. WILLIAMS IS AN INVESTMENT ADVISOR REPRESENTATIVE OF COMPASS CAPITAL MANAGEMENT LLC, A REGISTERED INVESTMENT ADVISOR. CAMBRIDGE AND COMPASS CAPITAL MANAGEMENT LLC ARE NOT AFFILIATED. 215 E. CHOCTAW, SUITE 101, MCALESTER, OK 74501. CAMBRIDGE DOES NOT OFFER LEGAL AND TAX ADVICE. PLEASE CONSULT YOUR LEGAL AND TAX ADVISOR FOR SPECIFIC ESTATE AND INCOME TAX PLANNING STRATEGIES. THE INFORMATION IN THIS ARTICLE IS FOR EDUCATIONAL PURPOSES ONLY AND IS NOT INTENDED TO BE TAX ADVICE. FURTHER, YOU SHOULD NOT RELY ON THIS INFORMATION TO MAKE INVESTMENT DECISIONS.
Medicare Supplement Education Event
SEPTEMBER 22ND | 10AM
Compass Capital Management will be hosting an event to speak on and answer questions regarding Medicare Supplement plans for the upcoming Enrollment.
CCM’s Jimmy Williams will accompany our guest speaker, Cliff House, in answering questions about enrollment.
This will be a public event held at Spaceship Earth Coffee, 345 E Choctaw Ave, McAlester, OK 74501, with limited seating available.
If you are interested in attending, please contact our office at (918) 423-3222 or email maddie@compasscapitalmgt.com to RSVP.
Welcome Back, Anna!
Last week, CCM’s Anna A. and her husband, Drew, set off on their Honeymoon bright and early Monday morning! They spent a wonderful week in Mexico soaking the sunshine and celebrating their next chapter in life! We are so proud, and so happy to have her back in office!
CCM Celebrates
With the previous Labor Day Weekend, we pause to honor not only the American workforce at large but also the incredible team here at CCM. This holiday was founded on the idea of recognizing the dedication, commitment, and contributions of working individuals—and we couldn’t think of a better time to shine a light on the people who make our firm thrive.
Every day, our advisors, client service specialists, and support staff go above and beyond to help families and individuals navigate their financial journeys with confidence. From building strategies for retirement to guiding clients through life’s biggest milestones, their work embodies the very essence of what Labor Day celebrates: dedication, service, and a shared vision for a brighter future.
After a weekend of fun, rest, and restoration, our team is back in action this week. From family time to OU games to Branson to Mexico, here is how some of our team members celebrated:
