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James & Brianna are married, have 2 young children, and own a home.  They have solid careers and are working hard to do the right thing financially for their family.

 

Like most people they didn't have any financial education in school.  Although they are saving money, they lacked confidence when it comes to financial decisions.  They had questions such as:

  • Am I saving enough money?

  • Would my family be OK financially if I passed away?

  • Am I investing my money in the right place?

James and Brianna decided to meet with a Financial Guide to get their questions answered and see if they could do better.

 

Just look how their decision to take control of their finances changed their life! They now have confidence in the financial decisions, worry less about money and enjoy life more!

Before

$5400 a month in household income

UNSURE OF FUTURE

- No Financial Guide

- No Financial Plan

- Living Paycheck to Paycheck

- Wondering Where the Money is Going

Spending Unneccessarily and Wasting $550 a month. 

LIFE INSURANCE

$100,000 of Life Insurance on each spouse for $250 a month

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Builds savings inside.  Estimated $126,000 at age 65.

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DEBT

- $38,000 in consumer debt

- Making minimum payments

       $886/mo

- Will be debt free in 42 years (Age 72)!

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INVESTMENTS FOR THE FUTURE

- $40,000 in old 401K earning 3%

- Bank saving $100/mo earning .5%

- At age 65: $160,000

SUMMARY BEFORE

$5400 a month in household income

No Guide

No Plan

Underprotected

In Debt until age 72

$286,000 at age 65

After

$5400 a month in household income

CONFIDENT OF FUTURE

- A Guide who Educated

- An Easy-to-Follow Financial Plan

- Enjoying Life and Moving Toward Goals

- Know Where the Money is Going

Redirecting $250 a month toward their plan. (Still $300 to have fun!)

LIFE INSURANCE

$350,000 of Life Insurance on each spouse for $100 a month

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$150 a month invested into a quality mutual fund averaging 9% return.

At age 65: $445,000

DEBT

- $38,000 in Consumer Debt

- Pay $886 a month

       following a debt stacking plan to

       be debt free in 5 years (Age 35)!

- Once Debt Free, invest $886 at 9%

- At age 65: $1,622,000 

INVESTMENTS FOR THE FUTURE

- $40,000 rolled to Traditional IRA at 9%

- $350 into a ROTH IRA at 9%

- At age 65: $1,037,000

SUMMARY AFTER

$5400 a month in household income

A Guide

A Plan

Properly Protected

Debt FREE in 5 years

$3,104,000 at age 65

Client Plan Example