Gratitude

Greetings all, 

The end of the year is upon us and collectively it seems like a good time to take a deep breath. For us at Bona Fide Finance and for many of our clients, it has been a very busy year with unprecedented challenges and adjustments to what our conception of ‘normal’ means. Lately, we’ve found ourselves drawn to focusing on all the things we have to be grateful for. In this last newsletter of the year, we would like to share some thoughts about gratitude with you. 

Read – 
It’s often said that “You’re the average of the five people spend the most time with,” (Jim Rohn), and we feel the same extends to creating a sense of gratitude in our daily life. Filling your mind and interactions with a sense of gratitude creates a tangible feeling that permeates into all of your interactions. And yes, it’s easy to be grateful in good times, but what about now, when things are less than perfect? This article addresses just that and points to the difference between feeling grateful and being grateful. If you are looking for some guidance on how to bring gratitude into your daily life, this article from Mindful.org has some great suggestions to increase your quotient of gratitude.

Watch – 
For this segment, we return to our friends at The Money Guy Show for their episode about ‘Keeping Up With the Joneses’. This show has a financial focus but the takeaways are relevant regardless of your financial situation. It’s so easy to focus on what the people around us ‘have’ that we get jealous or envious and then forget how lucky we are in our own lives. The major takeaway is that your mindset depends greatly on who you compare yourself to. Oprah Winfrey is credited with saying, “If you look at what you have in life, you’ll always have more. If you look at what you don’t have in life, you’ll never have enough.” Focus on the good in your life and that’s what you’ll see. If you focus on what everyone else has, you’ll never feel like you have enough. And remember, you never know what the Jones’ balance sheet looks like.

Listen – 
Apparently, we’re not the only ones who feel like focusing on gratitude is worthwhile, because if you search for gratitude podcasts you are spoiled for choice. We’ve picked a couple that look promising. The first is The Gratitude Podcast. With a name like that, good audio quality, a host with a soothing voice, and quotes like, “It isn’t happiness that makes you grateful, it’s gratitude that makes you happy” we think this is a pretty good bet for some gracious listening. Our last link is to the Tom Ferry experience. His podcast focuses on mindset, business pursuits, and taking action to improve different parts of your life. We really enjoy his down-to-earth, no fluff approach and think there are a lot of great episodes here for you to enjoy on a number of topics. 

As we close out this last newsletter of the year, we would like to extend a warm and sincere thank you to all of you for your continued support and encouragement. We are grateful for the relationships you have built with you over the years and look forward to continuing to grow and thrive together. 

All the best in the New Year, 
The Bona Fide Family

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Jared Schumacher

PhD, Paraplanner

Jared Schumacher holds numerous degrees in engineering/business and the humanities, including a PhD in Political Theology, and is a published researcher in the fields of politics, economics, social theory, and theology. He recently left a career as an associate professor to join the team at Bona Fide Finance, where he hopes to put his moral and political focus to good use offering financial services and advice for navigating our complex political and economic climate with integrity and thoughtfulness. He joins the team as a paraplanner, while studying to obtain the CERTIFIED FINANCIAL PLANNER® certification in the coming years. 

Jared grew up in Alaska and Texas, and spent over a decade studying and teaching abroad with his wife, Carrie, living in Lithuania and Belgium, but also spending considerable time in Germany and Uganda. Their family has grown to include eight kids; and when not contemplating the mysteries of the financial universe, their days are full with homeschooling, soccer and baseball practice, and piano recitals.

Dorian Antešić

Associate Advisor

Rooted in Europe and serving clients worldwide, Dorian advances Bona Fide Finance’s global, research-driven investment process. He is an Investment Advisor Representative and an associate advisor who leads the firm’s investment research and portfolio construction, giving each plan a consistent, evidence-based foundation so clients can stay disciplined through any market cycle. Working at the intersection of American and European finance and business culture, he helps families align portfolios with what truly matters to them. He is also working toward the Chartered Financial Analyst® (CFA®) designation.

His path into finance has been global from the start—and personal from a young age. Introduced to the world of finance and economics by his grandfather, an accountant and entrepreneur, Dorian grew up curious about how money moves and how families build durable wealth. He holds a bachelor’s degree in finance and accounting and a master’s degree in finance and banking, with studies across three countries: University of Rijeka (Croatia), Charles University (Prague, Czech Republic), and University of Coimbra (Portugal). He has lived in Croatia, the Czech Republic, Portugal, and Spain, and traveled to 22 countries across three continents. An explorer at heart, he continues to work remotely while traveling, building a wide network and a practical, cross-border perspective on how families can grow and preserve wealth.

Before joining Bona Fide Finance, Dorian worked with Sovereign Man (now Schiff Sovereign), exploring international real estate, offshore banking, and second residencies and citizenships to help families enhance their financial sovereignty. He also partnered with economist Saifedean Ammous, author of the bestselling The Bitcoin Standard, contributing research on the printing industry and helping establish a global fulfillment network for his books—work acknowledged in The Fiat Standard and Principles of Economics. Raised on the Adriatic island of Rab, he now lives in Croatia with his wife, Kim, and they are eagerly awaiting the arrival of their first child, Gabriel.

Bonnie Martinek

Administrative Assistant
Bonnie (Ben’s mom!) is a mother of 9 and a grandmother of 17. She has lived in rural Indiana her whole life and has a master’s degree in Special Education. In her own words, she’s done a little bit of everything but is a master of none (teaching, construction, manager of a corn maze, CNA, farm work, cashier, auto bodywork, and the list goes on!). Widowed in 2019, she is reinventing herself through her work in the day-to-day operations of Bona Fide Finance and client relations. Bonnie loves getting to know our clients and is happy to serve them well!

Deb Martinek

Relationships Specialist

Deb has been with Bona Fide Finance since its inception in 2015 and long before that with her support of Ben studying for the CFP designation and the dream of starting the business of helping individuals and families meet their financial goals.

She fills the Relationships Specialist role – Deb is typically the first encounter our new clients have as she walks them through our service offerings and introduces them to the map of financial literacy.

She has a bachelor’s degree from Ball State University and a master’s degree from the Franciscan University of Steubenville. Deb lives in Bismarck with Ben and their two young daughters, is a card-carrying member of the CDL club (read more about those adventures here) and is happiest reading an epic novel, solving a 1000-piece jigsaw puzzle, or working in her kitchen where she can serve love to the people in her life through quality food (clients enjoy her holiday shipment of homemade goodies each December!).

Ben Martinek

CFP®, EA, CSLP®, RICP®, Founder and Advisor

Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. With a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives.

Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. in philosophy and classical languages, followed by a master’s degree in philosophy. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning.

Now based in Bismarck, North Dakota, Ben and Deb stay busy raising their two daughters, Edith and Virginia. Since their truck-driving days, Ben is happiest on a long road trip—preferably behind the wheel of his TDI Volkswagen Jetta. He enjoys sailing on Lake Sakakawea, camping in their vintage ’90s pop-up camper, and smoking a pipe by the grill. A lover of strategy board games, he favors Clans of Caledonia (mostly because Deb refuses to play Risk with him). When he’s not working with clients, he can be found smoking meat, gardening, hiking, or diving into The Lord of the Rings or Dune. Ben also serves on the school board for his daughters’ Montessori school and is actively involved in pre-marriage ministry in the Bismarck Diocese.