Cash Flow Planning and Budgeting
Ever wonder where your money goes? You shouldn’t, because managing your cash flow is a vital skill to wealth creation. If you can’t manage your budget, it will be unlikely that you will ever truly achieve financial success. And if you ever do become financially independent, it will certainly take a lot longer and be much more difficult without sound budgeting habits.
If you don’t have the energy or the discipline to budget properly, I have good news for you.
We will help you hone these skills or recommend a professional to help you become an amazing budgeter and brilliant at cash flow management. This is a basic, foundational skill, but you must be brilliant on the basics.
Debt Reduction
We can show you how to get out of debt and live debt free within a remarkably short period of time. Just imagine living life debt free. How would your life be different? How would it be better?
Insurance Planning
Most people are underinsured. This is tragic because so many people work hard only to suffer catastrophic loss, unnecessarily, by being underinsured. Don’t let this happen to you. Understand your risks, do a needs analysis, and evaluate your options. We can help.
Investments
Investments are fun. They are the engine to wealth creation, until the bear market shreds your portfolio, and you spend years recovering. Understand how investments should be managed, what risks there are in the market and the economy (hint: they always change), and how much risk is appropriate for you. Then, and only then, are you in a position to command your portfolio.
Taxes
If you are in the middle class or above, can you guess what your largest expense is? It is probably not your mortgage, or your car payment, or even your health insurance. Most likely it is taxes – in all their forms – including federal and state income taxes, real estate taxes, sales taxes, licenses, fees, capital gains taxes, estate taxes, and others. Want to get ahead financially? Have a tax reduction plan. We can help.
Retirement Planning
It all starts with a retirement analysis. How are you going to manage your investments if you don’t project what your retirement income and expenses will be? What is your retirement income/expense gap and how do you close it? We will get you the answers you need. And this is an iterative process, so it must be done periodically. If you would like a second opinion on your retirement planning, you’ve come to the right place.
Estate Planning
When you leave this Earth, what will be your legacy? Have you thought about it? How will you best achieve your intentions? Let’s explore your wishes and then develop a plan to help you work towards building an impactful legacy.
Charitable Bequest Planning and Generational Wealth
Wealth always has an impact, but it can be helpful or harmful, depending upon how it is utilized and distributed. I enjoy helping people and talking through these issues. Your life is meaningful. Let’s make sure that you are able to leave an impact for those you care about when you go.
