Articles

Introduction to Financial Planning

Proper Planning

The foundation for investing starts with proper financial planning; setting goals, establishing a budget, gathering financial records and knowing your net worth. The financial planning process starts with gathering information. For the financial planner to do his or her job, that person must know your present financial structure, your goals and risk tolerance. The more knowledge that can be obtained the better the financial planner can do his or her job. It is suggested you print and complete the client questionnaire then fax or mail it to our office.

Stock Pyramid

High Risk

Getting the money tree
Low Risk

Investment Pyramid

The above is a simple chart of Investment categories by risk and reward. It is in the shape of a pyramid. With Investments at the top of the pyramid an individual can expect the greatest returns but because of the risk associated with these investments an individual can also experience the greatest risk of loss. Volatility is the key. If you knew exactly when to invest in high risk areas and exactly when to sell, then you should experience the highest returns. Consequently, with the investments at the bottom of the pyramid you would expect low returns with little risk of loss of investment. The placement of investment vehicles on the pyramid is subjective and opinions as to their placement could vary.

Home Insurance Coverage

Your home is the usually the biggest purchase you will make and is your most valuable asset. If you have any damage, you need an insurance agent that will find the best company to fit your needs and settle your claims quickly. We will help you find the right fit for your needs with providing quality service and affordable pricing.


Mortgage Payment Calculator FREE



Mortgage Payment Calculator FREE

$
$
%
year
%

$ monthly
$ monthly
$ year
%
$ year
$ year

Overview

Principal
Interest
Total

Principal
Interest
Maintenance
Property taxes
Insurance
Rental income