Informed Decisions

Each person needs to take responsibility for his or her financial affairs in order to make informed decisions, and not emotional ones. There are so many products available today that it is difficult to be an expert in them all. That is why today, more than ever, we need to be empowered with knowledge, tools and hands-on support to help us navigate through the complex world of personal finance.

Depending on your level of expertise, you may decide to manage your own finances, or to use the services of a trusted advisor. There are many resources available to offer a wide range of products and services. Whichever path you choose, make sure you are confident that you are getting objective, honest information from a professional who is serving your best interests, not those of a particular company.

“Asset Protection Wheel”

Each of the sectors in the wheel is important to consider when creating a financial plan. They all need to fit together so that there are no gaps or surprises.  By addressing each as part of a whole, you become empowered to be in control of your own financial future!

  • Retirement – The biggest risk with retirement today is outliving our savings. Retirement is no longer a single event, but a transition to the next chapters in life.  Because we are living much longer than our parents and grandparents, retirement must be  planned in phases, with a different investment and income strategy in place for each.
  • Short-to-Medium Term Goals – Purchasing a home, saving for a child’s or grandchild’s education, planning a vacation – all of these require setting aside some money for a future use.  There are savings and investment options that will allow your money to grow as it accumulates so that when the time comes to use it, your money will have yielded some returns above and beyond a savings account.
  • Emergency Fund –  Experts advise setting aside several months’ worth of income as a contingency fund to cover unplanned events.  However much you can afford, it is a good idea to have some liquid savings that you can get to if you need money in a hurry.
  • Estate Planning – Wills, trusts and advance directives provide important instructions concerning how your property will be distributed upon your death, who will make decisions in the event you become incapacitated, and how you wish certain end-of-life decisions to be made.
  • Tax Planning – Many financial investments offer tax advantages that can reduce the amount of money you pay to the state and federal government.
  • Risk Management – It is important to protect all of the assets you have worked hard to acquire.  This includes the obvious steps such as insuring your home and car, and investing your money wisely.  Have you considered your other assets – your life, your ability to earn an income, protecting your assets in the event you ever need long term care?  Life insurance, disability income insurance and long term care planning  are important components of an asset protection strategy.  And of course, a property inventory is an essential risk management tool.

“The Law, Your Money and You” TV Show Video

  • Our Mission

    To offer individuals and businesses a way to protect their property so that in the event of a loss or damage, they will recover its full value and quickly restore life to what it was before the event happened.
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