Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
Your broker works for you – not for the insurance company.
Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
Investing requires the trade-off of present income (consumption) for future income (consumption).
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
For us this means respect for you and for your business. Our Company is founded on a commitment to do what is right for you because we hold fast to the belief that this will drive our mutual prosperity in the long-term.
Client First means that we are independent of any insurance company, bank or financial services provider. For you this will mean that you can be assured that the recommendations we make and the solutions we offer are best for you, your family or your company.
We provide value first, not value added. So, you can be confident that your needs will be properly identified and know that the decisions and actions you take are in your best interest or those of your company.
Client First also means that you can expect a high level of personal service and professionalism. In addition to the basic things like courtesy and returning calls promptly, you can expect strict confidentiality, a “can do” attitude and a straightforward response to your needs. For you this will mean that dealing with us will be an easy and pleasurable experience.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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