A Plan for Peace of Mind and Confidence In Your Financial Future
Everyone has a unique set of financial circumstances and specific needs. Together, we can work to develop a strategy that provides for both the planned and the unexpected life events.
My story
I spent twenty plus successful years working in high tech marketing positions, turning some brands into major household names. While this experience was rewarding, the commitment and time focused on my jobs left little energy to pay attention to financial matters. Combine that with the responsibility of raising triplet boys, including one with special needs, my plate was full. I left all money decisions to my husband and had a hunch that as long as we saved, maximized our 401K contributions, and did not live beyond our means, we would be okay.
The balances in our 401K statements were growing and we were on our way to a good retirement. However, we had not realized that when we looked at our 401K statements, over one third of it had to be carved out to pay taxes. We had a “tax time bomb” that was going to impact us during our distribution years.
Our financial advisor introduced us to strategies that allowed us to continue to build our nest egg, not worry about the fluctuations in the stock market, and minimize our tax obligations. These new money strategies that helped us optimize our hard earned dollars gave us tremendous peace of mind. And when my husband passed away unexpectedly, our family experienced first hand the benefits of having life insurance to meet our financial needs.
As the sole provider for my family and the surviving guardian for my special needs adult child, I understand the importance of planning for the future and getting protection from unexpected events. If you are the parent of a special needs child, you have a special place in my heart.
It is my desire to help you and your family prepare so you can look forward with confidence. With education and information, you will know how to make the money decisions needed for your financial goals and not to outlive your money.
NPN 19986280
My Approach
Educate & Inform
My biggest satisfaction comes from seeing the “Aha!” moment on client faces when I walk them through a financial concept or strategy. I believe each of you can be empowered to make sound financial decisions. Check out the Money Basics Videos and the Retirement Planning Videos to learn more.
Core Money Principles
These financial principles by Merle Gilley, author of My Family Financial Miracle, are being adopted in my approach to my own personal finances.
Don’t Lose Money
- You have a limited amount of cash that will flow through your hands during the course of your life.
- As 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 the list.
- Any financial loss can take years to get back to even and no guarantee that you can fully recover.
Cash Flow Is King
- Opportunities are available for people who can put their hands on cash and take advantage of situations.
- Keeping your money 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.
Compounding is Key
- Consistent growth and annual compounding will outperform erratic and unpredictable speculative risk.
- Keep your money working for you at all times.
- Save and earn interest rather than spend and pay interest.
Taxes Matter
- Taxes are the largest single expense you will ever incur
- You can’t avoid taxes but you can minimize them.
- It is essential to your financial health to effectively manage your tax risk
Shield Your Money
- Control where, when, and how you want to use it
- Make sure your money is
- protected from loss
- enjoys steady and consistent growth
- accessible to you when you need it.
