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Yes, we all have heard
variations of "For the love of money is the root of all evil..." (The Holy Bible: Timothy
6:10)
So, would you choose to a) live
a life of poverty, b) live a life continually accumulating knowledge
and getting lost in a library of reference material, including
scripture, that promotes financial responsibility and
financial independence, or c) duplicate the successful investment
advice and wealth-building behaviors of a local financial advisor and mentor, who is
delighted to help you achieve financial independence, yourself?
Many references will inspire and motivate you to obtain levels of financial preparedness and financial independence, such as Marvin J Ashton's One For The Money, or Dave Ramsey's Total Money Makeover, or the works of Napoleon
Hill and Harry S Dent Jr. You may learn revolutionary tools of an experienced financial advisory references
will benefit you, unless you effectively implement
those proven financial planning concepts and investment advice in order to achieve financial independence!
A Divorced
Mom Meets a New Financial Planner
When Kelly, an aerobics
instructor, first discussed personal
financial planning with Phil, she felt she was already set up
just fine, as she had an investment plan that her ex-husband arranged with his commissioned investment broker while they were yet married. She was worried, though, because of her
constrained cash flow, and she wanted a check-up with a financial planner of her own. She felt she needed to understand about her financial plan and how to securely get a better rate of return than that of her ex-husband's investment plan. She trusted Phil because of his
patience, his friendliness, his knowledge and his ability to
explain everything, simply and understandably.
After a complimentary office
visit, Phil and one of his associates evaluated Kelly's financial
situation and suggested that she refinance her home mortgage, pay off
her consumer debt and take a disciplined, active role in her financial plan. Now, her cash flow
is dramatically improved, and she feels that she better understands her
financial plan.
"[After listening to Phil], I
can focus on the present without having
to worry about the future. I feel that I have a brighter financial
future, now.” — Kelly M, Walnut Creek, CA
Secure Investments for
Another Divorced Mom
Likewise, Kathryn, then, of San
Diego, CA, was worried, as she noticed
the substantial decrease in value of her unprotected
retirement mutual funds, in the three years beginning in
2000. Also, she had decided it was time to sell her upscale house, to
simplify her lifestyle and to reduce her financial burden, so that she
could begin to enjoy her early retirement and pursue her passion for
traveling.
Whole Life vs.
Term Life Insurance?
Kathryn met Phil, through a
referral and she discussed her financial plan with him. Following Phil's suggestions, she
took advantage of a strategy to minimize capital gains taxes on the
sale of her house, she positioned her retirement
mutual funds to protect herself from further wide
fluctuations of the investment
market, she qualified for an appropriate
life insurance program, and, after sharing generous gift tax-free gifts with her adult children, she placed the remaining money
in a strategic balance of annuity sub-accounts.
"Phil is always happy and willing to answer my questions." —
Kathryn F, Las Vegas, NV
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