Your Financial Foundation
"The only reason many American families don't own an elephant is that they have never been offered an elephant for a dollar down and easy weekly payments."
- Mad Magazine
Although we may not literally own an elephant, most Americans do have the figurative elephant purchased with a low down payment and easy payment options. Is your elephant a car you can't really afford? A gaming system or other technology that was offered at a deal "too good pass up"? Maybe just a dinner out that didn't really fit the budget but was an easy answer for a tired family.
Easy credit and sometimes unrealistic optimism about future income has fed our desire for those "elephants". We tell ourselves we can make this one exception or that we can afford the payments.
Too many of these purchases cause financial distress and keep us from achieving our goals.
Easy credit and sometimes unrealistic optimism about future income has fed our desire for those "elephants". We tell ourselves we can make this one exception or that we can afford the payments.
Too many of these purchases cause financial distress and keep us from achieving our goals.
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What is your financial foundation?A strong financial foundation consists of cash reserves to cover expenses in case of lost income. The role of savings is to save money for planned expenses. Insurance is used to manage risk and protect your finances. Debt management involves paying off old debt and evaluating potential new debt.
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How We Can Help
Our process is customized to each individual as we help you organize and manage your personal finances. We work with you in the context not just of budgeting or managing a large debt load. Our program focuses on managing cash flow to build wealth.
We help you create a budget. We review your income, assets, debt, and any insurance or estate planning documents you currently have.
We help you create a budget. We review your income, assets, debt, and any insurance or estate planning documents you currently have.
Take Control of Your Wealth
You can start working with us now by following one or both of these steps:
We will work to put together a cash flow plan and discuss your goals and priorities for your finances. We create a stress-free budget and a debt repayment plan.
Once we have a plan in place you will implement any necessary changes so you can stick to your plan.
We will meet periodically to check on your progress and adjust your plan as needed.
- Schedule a no obligation phone conference to discuss how we would work together
- Go online here to create your secure portal where you can enter your current information
We will work to put together a cash flow plan and discuss your goals and priorities for your finances. We create a stress-free budget and a debt repayment plan.
Once we have a plan in place you will implement any necessary changes so you can stick to your plan.
We will meet periodically to check on your progress and adjust your plan as needed.
Do you prefer to get started on your own?
If you do not have a budget a good first step is to download and work through the budget worksheet below. Be sure you track every expense and every income source to see if you are sticking with your budget. Your budget is just one important step in beginning to manage your finances.
If you do not have a budget a good first step is to download and work through the budget worksheet below. Be sure you track every expense and every income source to see if you are sticking with your budget. Your budget is just one important step in beginning to manage your finances.
| Budget Worksheet |