Therre are two types of people, you are either a "Spender" or a "Saver".  I am personally on the "saver" side of the equasion. I learned a long time age the values of living within your means, and delayed gratification.  Society pressures have negatively impacted the potential future success of the majority of people today.  So many people have either postponed saving for retirement, of minimally save because they are living paycheck to paycheck. They are literally one missed paycheck from a financial disaster!  Encouraging people to see the value and freedom of becoming debt free, is something I feel is the foundation to a solid financial plan. That doesn't mean that if you are not debt free, I wouldn't want to work with you. On the contrary, you are the ones I feel I can be the greatest benefit too!  

This is why I start, by encouraging every client to consider establishing a budget.  I know that for many people the term "budget" is like a four lettered word.  One you just try to avoid!  But with my help and the right plan, a budget can be a huge stress reliever!  One where you no longer have to worry about the majority of your bills, and are now prepared to handle those "curveballs" life tend to throw our way. With a well designed budget you WILL be able to splurge once in a while, so you don't feel tied to a ball and chain!

This holds true for all of my clients no matter where you are financially.  What better way to start out your marriage, than with a plan that reduces the possibility of those nasty money fights we've all heard about.  To the seasoned veterans preparing for retirement, how can I accurately provide for your retirement needs and wants, if we haven't identified what those needs are or will be?  Everyone can benefit just from the process, and it's somethng I feel necessary to ensure success.  I fully understand that a budget is something that needs to change with you, as you progress through the many phases of life.  It will require constant monitoring to continue to be a proper fit.

Key first steps in successful financial planning is to find out where you are in relation to what you want to achieve. To accomplish this, as your Money Concepts Financial Planner, together we will:

Assess where you are 

• Personal Balance Sheet  (budget)
• Retirement Analysis
• Family Needs
• Investment Analysis
• Education Analysis
• Estate Transfer Analysis

Decide Where You Want To Be

There is a quote I like, it says..."People never plan to fail, they just fail to plan!"  The earlier we can identify your goals the better the chance we have at making them a reality.

• Clarify Your Financial Goals
• Prioritize Your Financial Objectives
• Evaluate Your Investment Attitude

I'll Show You How To Get There

No matter how well you plan, financial success will not be achieved unless you take action. I will help you by:

• Presenting A Financial Plan
• Implementing Steps In Order of Your Priorities
• Recommending appropriate Products and Programs
• Planning Periodic Reviews

I readily admit that I've made mistakes along the way with my own personal finances.  But what good are the lessons I've learned if I keep them to myself?  If I can help folks like you, navigate through the myriad of choices out there, and guide you to a plan that fits your objectives, I wouldn't be true to myself if I didn't try to help!