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When life gets in the way.


The year was 1976. Mary’s pregnancy had gone according to plan and, when she went into labor, two young parents-to-be were excited about the experience of welcoming their first child into the world. I was in the delivery room when Heather was born, and she was pink, beautiful, and healthy-looking.

 As soon as I could, I called my parents, who lived one thousand miles away from us, to tell them the good news. While I was talking with my mom, one of the nurses came to me and said Mary’s doctor needed to speak with me right away. I didn’t want to hang up on my mom, but the nurse had such an urgent look on her face that I had to comply, so I told my mom I would call her later, and I dutifully followed the nurse back to Mary’s room. Her doctor was at her side.

 His news was devastating. Our little Heather had a very rare birth defect called a tracheal-esophageal fistula. Her esophagus was connected to her windpipe. She couldn’t swallow, and, as she breathed, liquid from her stomach passed into her lungs. It was serious – very serious – and Heather needed immediate surgery to correct the problem. A pediatric surgeon had already been called, and she was on her way to the hospital. Instant parenthood, but not in a good way.

 To make a long story short, the surgery was a success and Heather was released from the hospital one week later. Today, 48 years later – this month, in fact – she’s a vivacious wife and mother, a published author, and – get this – a wellness coach. We were told after her surgery that Heather would never be able to participate in sports. Ha! In April this year, she completed a 50-mile ultramarathon.

 I learned a lesson from our experience with our little girl: bad things don’t happen only to other people, they can happen to me and my family. Life gets in the way of what we expect to happen. Bad things do happen, and I don’t know anyone who’s immune to problems, big and small.

 As a financial advisor, I often meet with people who think they’re bullet-proof. They’ll never need life insurance, disability coverage, a long term care strategy, a source of guaranteed income for retirement, a place to put money other than the stock market, or anything else that makes financial sense, because, well, bad things won’t happen to them.  And, they certainly don’t need to pay me to tell them how to invest their money. Well, they are wrong. It’s impossible to know what the future holds for any of us, and, after 16 years as a financial advisor, I have yet to meet a single person who can figure out all the pieces of a successful financial life without professional help.

 I’ve helped a lot of people, but there are so many more whom I’d like to meet.  Call me today.

 Before life gets in the way.

 Mike Rich, CFP®

Pontchartrain Investment Management

2065 1st Street, Slidell, LA 70458



Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Asset allocation does not ensure a profit or protect against a loss.

Past performance is no guarantee of future results.

Past Articles

January 2019 - Reflection

February 2019 - When Life Gets in the Way

March 2019 - The Only Financial Plan

April 2019 - I Have Had It

May 2019 - Your Money Might Leave

June 2019 - When the Stars Align

July 2019 - Are You Alright

August 2019 - Going For The Green

September 2019 - Grandchildren

October 2019 - Recession

November 2019 - Long Term Care

December 2019 - Experiments

January 2020 - Financial Checklist

February 2020 - Financial Roadmap

July 2020 - Intro to New Clients 

*Note that there is a gap due to Covid 19.

October 2020 - Asset Domain

November 2020 - Liabilities and Taxes

December 2020 - Cash Flow

January 2021 - Financial Checklist

February 2021 - The Salami Smuggler

March 2021 - Do You Want To Be a Financially Successful Person?

April 2021 - Baby Steps

May 2021 - Time Is On Your Side

June 2021 - I Did It!!!

July 2021 - Live for the Present

August 2021 - Family Advice

September 2021 - Clarity

October 2021- Storms Can Be Scary

November 2021 - LTC Insurance

December 2021- Don't Peek

January 2022 - The Secret

February 2022 - Estate Planning

March 2022 - Waste Not

April 2022 - Have your cake and eat it too

May 2022 - What is your money lifeline?

June 2022 - Crystal Ball

July 2022 - Do you have a financial 'road map'

August 2022 - Italy

September 2022 - Risk

October 2022 - Father Knows Best

November 2022 - Why you need me as your Financial Advisor

December 2022 - Eat your Cake

January 2023 - I don't care how you spend your

February 2023 - News Flash!!!! Wealthy People Have More Money

March 2023 - Rewards

April 2023 - Change

May 2023 - Tick Tick Tick

June 2023 - Ruin

July 2023 - Oh How Times Have Changed

August 2023 - Think Inside the Box

September 2023 - What Can you Accomplish

October 2023 - It is what it is

November 2023 - It's Retirement Time

December 2023 - How Secure is Social Security?

January 2024 - Goals

February 2024 - Do This One Thing

March 2024 - When life gives you lemons

April 2024 - Just Imagine......

May 2024 - Everyone needs an Estate Plan