Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?
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.
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.
Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.
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.
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.
The purpose of investing is to improve our future circumstances or future lifestyle.
Investing requires the trade-off of present income (consumption) for future income (consumption).
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.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
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.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
In professional services companies, the level of expertise and experience of the person you are dealing with determines the quality of the solution and sometimes the quality of your interaction. Many times you are promised expertise, only to end up dealing with a junior person – rather than the senior partner with the relevant experience.
Our commitment is that the person dealing with you and your business will have significant practical experience and training to bring to bear on addressing your needs. For you this will mean quality solutions that will work for you, your family or your business.
In addition, we have seen both sides, bringing both the industry expertise and business experience. We have been both the provider and the customer – so we have a unique balance that really understands the customer perspective, while knowing what can be delivered.
You can be assured that the solutions we recommend are the most appropriate for your circumstances and preferences so you know that you have made the right decision.
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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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