Here are the some of the topics we cover.

• Understanding Active VS Passive Income
• Understanding Your Expenses
  Manage your income in a way that allows you to achieve financial freedom which means you have a chance at a comfortable lifestyle in the future.    By following a guideline of management which includes an emergency savings account, retirement savings, an account for your family’s education, savings for vacations and fun and money to give back or for a loved one in trouble, you are taking care of all categories of income management.
  Suggested percentages to manage income and expenses – use regardless of your income amount.
  •    30% mortgage/rent
  •    30% living expenses – medical, transportation, utilities, food & groceries, life insurance
  •    10% for the future (retirement)
  •    10% emergency savings / mid term savings
  •    10% donations to charity/giving
  •    10% entertainment/ vacations/ holidays
  Remember, pay yourself first.  Manage your money to pay your expenses, invest and save significant amounts of money to meet financial goals and prepare for your future and reach financial freedom.
• Benefits of a Second Income Business
• Emergency Savings
  Financial security is achieved through financial planning.  A significant part of that planning must be an emergency savings account.  With it you will be prepared for any emergency or tough times.  The question is, how much should you save?  How much is enough?  The answer – three to six months worth of expenses is a general guideline.  Those who are self employed need to save nine to twelve months worth of expenses.

Along with income management, we focus on areas of debt management, savings strategies and asset protection.  Call our offices, or enter your name and e-mail address in the form to the right…