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Cash Flow Management
As the adage goes “Cash is king and cash flow is the heart of the kingdom”. Managing cash flow is the most important factor in being debt-free. We train our clients to manage their cash flow using state of the art web applications.
We will develop a monthly plan to maintain your cash flow. We provide guidance in accelerating positive cash flow and delaying negative cash flow, without adding penalties and fees. We analyze and provide coaching on all 5 components of cash flow management.
Debt is a way of life for Americans and it is unfortunate. Our national debt is close to $19 trillion and the average family debt is close to $41,500. We will help you become a success story, not a statistic.
We do not believe in Debt Settlement nor Debt Consolidation. We believe in empowering and educating YOU to attack the debt problem so that you can send your children to college, and spend your retirement in dignity. We will customize a plan to eliminate your debt using Dave Ramsey’s principles. We focus on your “WHY” factor and develop a payment plan with a target date to be debt-free. We monitor the progress monthly and change the plans, if required.
At times, if required, we will provide a step by step guide to deal with creditors.
Insurance Coverage Efficiency Analysis
Let’s be honest - Nobody likes to pay insurance premiums. But, it’s those premiums that help us transfer risk to insurance companies. It’s no surprise that most people overpay premiums by taking coverage they do not need or were not aware of. We analyse all types of insurances like auto, home, life, long term care, health, rental etc and provide unbiased recommendations.
Remember, we work for you and are on your side to attain your financial dreams. Visit Testimonials page to see how others are attaining success through us !!
Retirement is not an age, but a number. It’s the amount that you need to have at retirement so that you can spend your golden years in dignity.
We guide each client to identify their number since it’s different for everybody. Once the number is identified, we provide recommendations on monthly contributions, rate of returns and accountability to help you reach that number. We also help our clients choose investment options to meet their retirement number.
Investment Review and Guidance
Investments usually make or break your retirement dreams. Some mistakes are so costly that it is impossible to recoup those during your golden years.
We provide an accurate and independent review of your portfolio to assess whether they meet your financial dreams. We also provide investment training for you to become knowledgeable and ask the right questions to your asset manager. We also review all types of IRAs, 401(k), 403(b), 457 and similar investment vehicles. We also provide guidance on balancing your portfolio to maximize returns with minimized risk.
Make sure you visit the FAQ page for questions related to our services !!
Tax Efficiency Strategies
“In this world, nothing can be said to be certain, except death and taxes” – Benjamin Franklin. We believe in paying taxes. However, we also guide our clients to not overpay by educating them about available deductions and tax assistance plans. We also guide small business owners with mid-term taxes to avoid tax deferrals.
Credit Report Reviews
It is a reality that identity theft is on the rise and we ensure that our clients are protected. We constantly review credit reports to identify errors reported by creditors. Please note that our goal is not to boost the credit report for you to borrow more. Remember, we are aiming towards a debt-free life. We also provide guidance on securing your identity with reputed restoration services.
Home Buying and Mortgage Reviews
Home ownership is usually the biggest dream and the highest financial transaction people make in their life time. We assess our clients with respect to their readiness to own a home and what they can afford. We also educate our clients on all the costs of home ownership so that they can make an educated decision. Once a client decides to buy a home, we provide them with mortgage options and an independent review. We do not have any affiliation with nor receive commission from any real estate, loan officers or title companies