Our Perspectives

Working from the Same Perspective

What does a financial Consultant do?

"What do you do with our money?" is a question I expect to hear.  However, a financial consultant works for and with a client to establish needs and goals, helping to make financial independence an eventuality rather than an uncertainty. Problems such as taxes, inflation, ineffective investments, and incorrect methodology can be solved by setting a structure and strategy, which will protect assets while trying to utilize the best tools available. 

A prudent approach is chartered with time-tested financial maps that take into account changes in economic climates, and unforeseen events everyone must be prepared for. 

It is important to ask yourself where do you get objectivity and the most appropriate advice? 

Questions to Ask Yourself

I asked our financial consultants what they thought were the most important questions clients should address before doing any investing; here they are:

  • Have you set specific financial goals for yourself?
  • How do you monitor your progress toward these goals?
  • What plans have you made to retire or remain retired comfortably?
  • Is your investment structure tax-wise?
  • Have you fallen into any "investment or insurance traps?"
  • Does your current advisor disclose how much they get paid for the investments or insurances you purchase?
  • Do you feel your best interests are being looked after?
  • Do you pay yourself first?
  • Are your investments chosen objectively?

These questions apply to all investors. What you don't know can hurt you.


When planning for financial security, I have found that the public gets lost looking at all the newfandangled schemes that litter the road to success.  While not easy, wealth can help be acquired by tried and true techniques.

Reader's Digest reports that over 75% of millionaires in the United States are first generation. These people are neither lucky nor inheritors. They live below their means and accumulate assets rather than income, which is taxable.  They don’t own expensive homes or cars, which increase insurance needs, maintenance costs, and property taxes as well as decrease the amounts available for investments.  They are long-term thinkers and have a plan that is strictly adhered to.  Costs are kept to a minimum; savings are set aside for emergencies; the rest is wisely invested.

All one has to do is pick up their bank’s annual report to decipher where your savings (i.e. checking, passbook and CD monies) are being invested. Savings add to net worth.  Investments may MULTIPLY net worth.  It’s not what you make; it’s what you keep after taxes and inflation. Investment plans should include sound estate planning, tax structuring, and objective financial advice. Millionaires look for value; they don’t waste time, money or resources.  It’s no surprise that they do spend their top dollar for medical, legal, and financial services.  Good advice and service, like a good football coach, can make all the difference.

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