Do not save what is left after spending, but spend what is left after saving – Warren Buffet
CONTROL YOUR MONEY
Wealth is less a matter of circumstance than it is a matter of knowledge and choice. It means that we can choose to live the lives we desire. Ultimately it comes back to you.
Know your income & expenses
Cash Flow Worksheet
Investments & Saving
Choosing Your Investments and Saving Methods
Each investment carries its own set of risks. Here is a chart that ranks investments in order of risk of loss from lowest to highest.
|Types of Investments|
|Defensive investments||Savings accounts
Money market accounts
Short-term CDs and bonds
|Conservative investments|| Intermediate-term CDs and bonds
GNMA funds (Ginnie-Maes)
|Moderate investments|| Long-term bonds
Stocks and equity mutual funds
Low-leverage real estate
|High risk investments||Junk bonds
High-leverage real estate
Estate planning is the process of anticipating and arranging, during your life, for the management and disposal of your estate during your life, in the event you become incapacitated and after death.
The planning includes the bequest of assets to heirs and may include gift, estate, generation skipping transfers and taxes.
Estate planning includes planning for incapacity as well as a process of reducing or eliminated uncertainties over the administration of a probate and maximizing the value of the estate by reducing taxes and other expenses. Guardians are often designated for minor children and beneficiaries in incapacity.
If you were suddenly alone, could you wake up in the morning, operate effectively throughout the day as you performed the activities of daily living, retire self-assured at night, and repeat that process in the weeks, months, and years to come?
Could you today, without help from anyone, put your hands on all your financial records, legal documents, personal identification cards, insurance policies, medical records, prescriptions, computer logins and passwords?
Have you thought about what you will do or where you will live if you become incapacitated? Have you told anyone your wishes upon death? Are you doing everything you can to take care of yourself and live a healthy lifestyle?
If you answered yes to all of the above questions, congratulations. If you answered no to any or all of the above questions, why?
You do not have all the information needed at your fingertips. You do not know what you do not know. Someone else has managed all or most of your affairs for you until now, and now you are all alone. Finding someone that is knowledgeable in all these areas can be a challenge. Until now. I am here for you.
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Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through AVP & Crump. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.