Financial planning

PERSONAL FINANCIAL planning

"Opportunity is missed by most people because it is dressed in overalls and looks like work." - Thomas Edison

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Most people make 3 basic mistakes when it comes to their personal finances:

OVER-SPEND

OVER-LEVERAGE

UNDER-SAVE

DEVELOPING AN INVESTING STRATEGY IS ABOUT STAYING WITH THE JOURNEY, BEING FLEXIBLE & ADAPTING SO YOU CAN ARRIVE AT THE DESIRED DESTINATION IN TACT

Many financial people believe that once you develop a plan you need to stick with it, no matter what happens. But life is not linear.


Think of taking a road trip across America. You draw out a plan, what roads to take, where to stay, what to see. How long it will take. But a storm hits along the way and wipes out the bridge you planned to cross to get to your destination.


Do you sit and wait for a new bridge to be built? I hope not. You would probably adapt and modify you plan, change courses so you can get to your destination. It may even prove to be a more enjoyable journey.


We understand that life happens and that we all need to be flexible and capable of adapting to change. A plan written 15-20 years ago will not necessarily work today. Are interest rates the same today as they were 20 years ago. No, so should a large portion of your portfolio be in fixed income instruments.

Avoiding financial pitfalls

The bottom line is that you actually have to do it, not just think about it.

Start tracking where you spend your money

Plan for problems

Focus on making more money and spending less

PERSONAL FINANCIAL PLANNING

We can help you with your goals

We will help you develop a long and short term financial plan to meet your specific needs and objectives. It’s up to you to be disciplined to follow the plan.

Here are some of the key benefits when working with an independent financial advisor:

  • Independent Advisor Representatives have a Fiduciary responsibility to act in your best interest
  • Independent Advisors are objective
  • Independent Advisors do not have quotas to meet
  • Independent Advisors provide personalized advice for clients with complex financial needs
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