My Core  Belief

What I Believe

People say that money isn’t everything. I agree. It may not be everything, but it’s right up there with air. Money solves a lot of problems, and there are plenty of problems out there. I’m willing to bet that 90% of the challenges people face today can be taken care of by writing a check. I’m not being flippant; I’m just making a point. Money can’t buy happiness, but it does determine where you live, what you drive, where your kids go to school, and the lifestyle you enjoy. So having money is important, especially in today’s unsettling world. You worked hard to make it and you need to protect it and control it because your family’s future is at stake.

My beliefs were forged out of my own experience as a family man,  Benefits Representative & business owner. I know what it takes to make a living today, and I had to learn the hard way about how to make that money last.

Before you can have a conversation about your financial future with any financial advisor, I think it’s important that you understand the bedrock of my financial principles because I am "Risk-Adverse". My concerns are well founded; just pick up a newspaper and scan the headlines.

In light of this, I would like to share with you The Family Financial Miracle, and it's  financial principles. They are my core beliefs about retirement and risk.

1

Don’t Lose Money

You have a limited amount of cash that will flow through your hands during the course of your life. That means it’s a limited resource, and any time you have a limited resource, you simply can’t afford to lose any of it. Protecting this valuable resource is number one on my list. It could take years just to get back to even from a financial loss—and there is no guarantee that you’ll ultimately fully recover, because time is also a limited resource. Bottom line: don’t lose money and you’ll never worry about the time it takes to make up for the losses.

2

Cash Flow Is Vital

Opportunities are available for people who can put their hands on cash and take advantage of situations. While we dream of winning the lottery, very few financial success stories are “Rags to Riches.” Most of them are about the person that had an idea and also had access to the cash to put that idea in play. I believe that keeping your money in a place where it is accessible and still growing is critical. Cash flow is income through liquidity, use, and control. When you are in control of your cash flow, it opens the door to a host of opportunities.

3

Never Interrupt Compounding

It takes a skilled person to position their money in such a way that it is continually growing. Consistent growth and annual compounding will outperform erratic and unpredictable speculative risk. One of the most common mistakes Americans make with regard to their finances is the failure to understand how truly powerful compounding interest is. It’s easy to see the benefits of compounding interest when you look at a chart showing exponential growth. Unfortunately, most people drain their accounts on big purchases with short-sighted instant gratification rather than doing the math and realizing the amazing power of compounding interest. The world has us trained to spend and pay interest rather than save and earn interest. Keeping your money working for you at all times is key. Continuous compounding is part of the miracle.

4

Taxes Matter

It’s impossible to avoid taxes, but you can, and should do everything you can to minimize them. Every dollar of yours that goes to Uncle Sam costs you not just that dollar, but all the dollars you would have made on the interest compounded over time. Paying unnecessary taxes has a significant impact on your financial future. Taxes are the largest single expense you will ever have! Taxes matter and they’ll be going up. It is essential to your financial health to be able to manage tax risk as effectively as possible.

5

Your Money Shield

You work hard to make sure that your family is taken care of. If you’re smart with your money, you have worked equally hard to save some of it for rainy days and retirement. However, is it protected from loss? Is it growing in an environment where you can enjoy market-like returns without experiencing the agony of loss that happens when markets dip, dive, or even crash completely? Are you able to access it? Even if you have a lot of money put away, if you can’t use it when you need it, it’s useless. Smart financial planning means you’re money is shielded from all the risks that threaten to deplete your savings while at the same time continues to enjoy decent growth so you can control when, where, and how you want to use it.

When the rings that represent the family financial principles come together, they form the Family Financial Miracle shield. I Family am committed to providing you with the most effective, powerful shield available today in family financial planning. We’re here for you and your family, to help you keep them safe financially. Together we can build a brighter financial future for you and those you love.

  Safeguarding Families

Delaware, Maryland & Pennsylvania

 Peace of mind-Quality of Life-Lifestyle Security      

        Finanical security & Independence

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