6 STEPS TO FINANCIAL SECURITY
INCREASE CASH FLOW
Improving cash flow is an essential part of financial planning. I start by identifying expenses that can be reduced, eliminated, or optimized. Then, I help you uncover opportunities to increase revenue and strengthen your financial position.
EMERGENCY FUND
To properly plan and be prepared for emergencies, it’s important to have 3–6 months of net income saved and easily accessible in a bank account. Unfortunately, many people’s only savings are in their 401(k) or IRA, which come with restrictions and penalties for early withdrawal. I can help you build a financial safety net that’s both secure and accessible.
Get Out Of Debt (GOOD)
If you have a mortgage, auto loans, credit card balances, student loans, or other financial obligations, I’ll help you create a plan to become debt-free within the next 8–10 years—including your mortgage.
PROPER PROTECTION
The majority of Americans don’t have enough life insurance—or the right type of life insurance—to meet their family’s needs. Additionally, as healthcare costs rise and life expectancy increases, most people are unprepared for the expenses associated with chronic, critical, or terminal illnesses. I can help you create a plan that ensures your family is protected and prepared for the future.
BUILD WEALTH
Long-term savings must outpace inflation and minimize taxation to achieve financial success. I educate my clients on the many options available and help them choose strategies that align with their goals and needs.
PRESERVE WEALTH
A successful financial plan includes a strategy to reduce or eliminate estate taxes when transferring wealth from one generation to another. I use the tools and strategies of the wealthy to help middle-class families keep their hard-earned money in the family.