The first step in the process of helping one organize their financial affairs is to take a detailed look at how you manage your cost of living, how your debts are structured, how much you are paying for
insurance premiums and overall are these affairs structured
so as to minimize taxation. When the foregoing are properly
organized your disposable income is maximized.
Disposable income is what is available for savings and
managing your risks.
After 15 years experience with the equities market as
mutual fund Dealers it is our opinion that the equities
market is no place for ordinary people like our clients when
it comes to retirement planning in most cases unless we can
protect our clients from market losses. The risk of loss of
capital and destroyed dreams is far too high without a
downside protection.
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We consider that every event in the life of an ordinary person is a
risk. Even savings are at risk. Our philosophy is to
continuously search the financial world for solutions to
our client’s risks that enable us to shift every risk
shown on our Wheel of Life away from our clients
and onto the large corporations such as banks and
insurance companies. WE ARE PROUD TO SAY
THAT WE HAVE ACHIEVED THIS.
There is no down side to our Retirement Savings
programs. Our clients participate in the equities
market when it is rising and when it is falling the
insurance industry takes the loss for our clients.
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