Imagine an alternative where everything in that junk drawer was there for a very specific purpose and purposefully coordinated with everything else - on purpose!
For example:
1. Savings in a flexible account that is tax deferred and also provides a death benefit tax free along with funds to make sure you're comfortably cared for in your older years
2. A guaranteed continuation of income even if you become ill, or disabled on a long term basis
3. An investment that literally pays your taxes and provides the means by which you can tax shelter earnings on some of your other investments
4. A retirement plan that offers the upside of the market with literally the guarantee against loss when the market goes down
5. And all of your hard earned dollars invested in a way that reflects your values
*The above are only examples of possible strategies and are not recommendations, or in any way an offer to buy, or sell any financial product.
There are so many options available to put together the most efficient financial mosaic for your life!
If this makes sense to you, please complete the Contact information, text, or give us a call. We would like to meet you. And ask us about our next Brunch & Bolt near you.
The same is true about financial planning. You have to have a plan! Most people's financial planning looks like a junk drawer: term insurance over here, group health insurance there, an unwatched 401(k) over there, savings over here and so on. No coordination whatsoever. Therefore no organized, disciplined plan to follow. Who knows how you'll perform on race day with that as your training!