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VUCA, Finances, and the Hero's Guide

Writer's picture: Jeff BernierJeff Bernier
Dec 20, 20222 min read

VUCA stands for volatility, uncertainty, complexity, and ambiguity. Those in the mid to late stages of their career face a confusing array of financial challenges. No longer can retirees rely on a pension from an employer or be confident in the support of government programs such as Social Security and Medicare. My "hero" - mid to late career executives - often lack the specialized knowledge to successfully navigate this VUCA terrain without the help of a guide.


Combine a VUCA world with 24/7 media, social media, and entrenched tribes and you get a lot of noise. Many years ago, I read Simon Sinek’s book, Start With Why. In the book, he wrote “say what you believe and you will attract the people who believe what you believe”. This is an interesting quote in this VUCA world.


I certainly do not want to add to the noise but would like to state a few things I believe:

  • I believe that we were all created by a God that loves us.

  • I believe that we are all created equal, that we are endowed by our Creator with certain unalienable Rights, that among these are Life, Liberty, and the Pursuit of Happiness. 1

  • I believe that my (our) ego or “false self”, gets in the way of living the life God wants.

  • I believe that we were created for a purpose.

  • I believe that life is a journey to discover and pursue this divinely inspired purpose.

  • I believe that many of us have either not found this purpose or, sadly, fail to pursue it due to financial considerations.

  • I believe that TandemGrowth Financial Advisors is my platform to help others create clarity and confidence.

  • I believe that personal, economic freedom and capitalism is the best system ever created for most people to live a life of economic security and dignity.

  • I believe that many people fail in their financial and investment planning due to behavioral mistakes driven by emotion rather than rational thought processes – that managing emotions and behavior is just as important as managing money.

  • I believe that most people would benefit from financial planning.

  • I believe in times like today (a VUCA world) that staying true to time-tested, evidence-based principles is essential.

  • I believe that many people would benefit from a relationship with a caring, competent financial advisor to assist in making decisions during uncertainty. (I know, a bit self-serving – but hey, it’s what I believe.) Here is a short video Dimensional Fund Advisors put together to illustrate this point.

Interested in learning more about my hero's six financial challenges in this VUCA world and how a guide can help? Grab your copy of The Money & Meaning Journey today!

  1. Paraphrased from The Declaration of Independence

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Jeff Bernier is the sole Member and an investment adviser representative of TandemGrowth Financial Advisors, LLC, (“TandemGrowth”) an investment adviser registered with the U.S. Securities and Exchange Commission. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that TandemGrowth has attained a certain level of skill, training, or ability. No person will receive cash or non-cash compensation, directly or indirectly, in exchange for an endorsement of this book. Any endorsement of the book, ‘The Money and Meaning Journey’ are endorsements of the book and are not endorsements of Jeff Bernier’s reputation or experience as an investment adviser representative of TandemGrowth, or of TandemGrowth itself. The information presented in this book is general commentary intended to inform its readers, including current and prospective investors, about the broader financial ecosystem. All profits from the sale of this book are ultimately paid to the Bernier Family Gift Fund at the National Christian Foundation, which makes charitable distributions to various qualifying nonprofit organizations. Except for the “Contact Page,” the book is not intended as an offer of Mr. Bernier’s or TandemGrowth’s advisory services related to the sale or recommendation of securities. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of TandemGrowth’s services will vary based upon the client’s individual investment, financial, and tax circumstances. The effectiveness and potential success of a tax strategy, investment strategy, and financial plan depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss, and different investments and types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or investment strategy, including those undertaken or recommended by TandemGrowth, will be profitable or equal any historical performance level. Additional information about TandemGrowth, including its Form ADV Part 2A describing its services, fees, and applicable conflicts of interest and its Form CRS is available upon request and currently at https://adviserinfo.sec.gov/firm/summary/125490.

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