(client relationship summary)
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.
Schedule an Appointment
By filling out this form a licensed sales agent may contact you.
Heartfelt Financial Solutions, LLC and Robin Depies offer Investment advice through Redwood Private Wealth, 3930 E. Ray Road, Suite 155, Phoenix, AZ 85044 (“Redwood”). Redwood is an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration with the SEC should not be construed to imply that the SEC has approved or endorsed qualifications or the services Redwood offers, or that its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to Redwood are available at http://www.Redwood.com. Additional information pertaining to Robin Depies and/or Redwood’s registration status, its business operations, services and fees and its current written disclosure statement is available on the SEC’s Investment Adviser public website at https://www.adviserinfo.sec.gov. To see full disclosure click here
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”