The personal financial plan is based on the analysis of the individual financial situation in three major categories: Today, Tomorrow, Future. Categories are self-descriptive and their names aligned with the purpose. “Today” category assesses how well family deals with their money flows right now, today. “Tomorrow” category looks into how well family is prepared to maintain the same lifestyle in the nearest future, tomorrow, in case of possible temporary adversity. “Future” category looks into the far future, retirement. These three simple categories cover the majority of possible common life scenarios and bring simplicity to understanding complicated financial services and strategies.
We review your debt in detail and recommend measures to improve loan efficiency and create a debt elimination plan. We have access to a knowledge-base of today’s rates and work with several partners to help you lower payments, restructure debt or even forgive it altogether if it is right for you. We also educate and recommend one of a few debt repayment strategies that fit your lifestyle.
We work together to review your bills in detail, find out and eliminate non-essential expenses. We have access to a knowledge-base and know how much you should be paying rather than what you are actually paying. Some bills may be renegotiable with the service provider. We work with an agency that may re-negotiate such bills down on your behalf. Our goal is to find money that doesn’t work and to put them to work.
We find unnecessary and usually avoidable fees that add up. We review insurance policy deductibles and find options to lower premiums. Were applicable we replace insurance policies with similar but greater benefits yet smaller premiums. Seemingly small amounts redirected and reinvested compound to significant amounts over time.
We teach proven strategy to stay on budget stress-free. We provide, configure and train you on tools to be always on top of your finances and prevent accidental or emotional overspending. Spending should be always guilt free. Stop worry about money.
We review the possibility to redirect money over-funded to tax liability to improve your cash flow. Optionally we review tax avoidance strategies currently in place and provide recommendations to maximize benefits. If there is no tax avoidance strategy in place, we educate on options and help to implement a strategy. We believe truly everyone has to pay taxes, but regular people should not pay more than rich people do.