When Dreams Become Reality

Our strength is helping them define their financial goals, create a path, and getting them to take action. Experience taught us to use some fundamental principles to help guide clients including:

1. Prioritize – when there are several financial goals competing for the same dollars, you need to prioritize which financial goals are most important. Build the solid financial foundation first, then revisit your bigger dreams.
2. Small decisions can add up to big results over time – If you’re overwhelmed, take one step at a time. We can help advise you on how much that you may need to save and help show you how to do it, but if you don’t act because it seems too daunting then we haven’t made any progress. In these situations, I encourage clients to just get started saving something. I meet with clients periodically throughout the year and we always revisit the original savings goal. How are you adjusting with the increased savings? If it’s easier than you originally thought, can you increase it?

Many clients may experience an income increase about once every year. Whether it’s a raise, bonus, or promotion, these are can always be opportunities to capture additional cash flow and allocate it towards financial goals.

Paying off debt and reducing expenses – Perhaps you finally paid off your mortgage, student loan or car loan. This is another great opportunity to help capture the increased cash flow and allocate towards your financial goals.

3. Progress, not perfection – The path forward isn’t always a straight line. Not only will you experience changes, but there are also legislative, market and economic changes you’ll experience along the way. Reflect, modify, and move forward with your plan.

4. When life gets messy, don’t give up, it happens. When you hit a bump in the road, do you let it send you into the ditch or do you get over it and drive on? Everyone experiences something, it might be a lay-off, unexpected major expense or a medical crisis. With a proper financial plan, you can have a cash reserve and insurances in-place to help support you during these times until you get back on your feet. Once you’re back on your feet, refocus, revise, and move forward with your plan.

5. Seek a professional - Professionals have learned judgement from experience, we also have an immense depth or resources available to us. I can tap into resources, brainstorm with other professionals, and apply multiple strategies to help get you what you need. Lowering expenses, saving on taxes, etc.

When consistently used, the results of these strategies can be powerful! Most importantly, WORKS! Clients can achieve goals sooner, more robust, and greater than they ever imagined! Seeing clients making it work and move to a place of mental peace is my joy! I find immense satisfaction in their success.

Don’t wait, just get started!