Your Path to Financial Freedom

The most powerful wealth building tool you have is your income, and it’s not what you make that counts; it’s what you keep. But what’s the best way to effectively manage your cash flow and build it to support your everyday expenses & long-term goals? Pay yourself first, giving you the opportunity to save for the future and accumulate for your greater goals. Then, you manage your expenses in the most efficient manner to give you flexibility both in the present & in the future stages you’re looking forward to.

One of the most common mistakes in risk management is the failure to have adequate insurance. Insurance allows your plan to build and protect wealth for your family, whether you are sick, disabled or deceased. It can also help you when you’re of sound mind and body by protecting what you’ve worked so hard to build, and modern options can allow you to leverage insurance to provide for you during life. We can explore new policies and features that suit your goals, or we can replace old, ineffective ones.

No matter how much you plan, unexpected emergencies always seem to arise. To provide a buffer between you and life’s disasters, we traditionally recommend having three-to-six months of expenses set aside to help you cope. That way, in the worst-case scenario, you’re prepared, and you don’t have to face bad debt or dip into the savings you’ve accumulated for more important ventures, like funding your dreams and your family. We can help you create an effective budget to build your emergency fund.

One of the biggest wealth destroyers is debt; a silent plague that can rob you of your ability to build wealth. There are also two kinds of debt. Know the difference between good debt, which can help you increase and build your wealth, and bad debt, which feasts on consumers and aims to keep your head underwater. We can help you develop a plan to eliminate bad debt in the most efficient manner, potentially allowing you to take advantage of future opportunities to grow your assets.

In order to get ahead, you can’t just make money; you must understand money, including how to save and protect it. The key ingredients to building wealth are money, time, asset allocation, rate of return, and understanding of how to outpace taxes and inflation. In addition, having a defensive plan during severe market declines can shave off years in recovery time. We can help you find strategies that protect you from excessive taxation and the major risks of retirement, like market volatility and longevity.

Whether you’re a business owner, an individual or the head of a family, you deserve a say in what happens to the assets you’ve worked so hard to accumulate, and an estate plan can give you that power. Without it, a lifetime can be devoured by taxes, lawyers and unintended heirs. We can help you protect and preserve your assets for your family, creating your legacy and giving you a voice and presence long after you’re gone. We can connect you with professionals who have the experience to construct the right estate plan for you!