Our six-step process explained below can be instrumental in changing your life by:

• Determining what matters to you the most which you want to achieve which is eventually a wish list.
• Sorting out what’s within reach (immediate goals) , what will take a bit of time (medium term goals), and which must be part of a long-term strategy (long term goals).
• Implementing SMART- goal strategy will assist in determining that your ambitions are Specific, Measurable, Achievable, Relevant, and Timely.
• Creating a realistic budget and put a plug on your financial leaks.
• Plugging the leaks in the budget, will depict at least a handful of leftover dollars. This saving, no matter how small it is, can be directed to accomplish your realistic financial goals.
• Monitoring your financial planning progress periodically.

1. Debt Elimination
Eliminating and controlling debt can transform your finances. We assist you in managing the debt effectively which can lead to less costs and more saving available for the future financial goals.

2. Emergency Fund Creation

Emergency fund ensures that your life is financially on track in case of emergency situations like loss of job, sudden illness, or an unexpected financial expense. These situations can put you off track of your short- and long-term financial goals. Our tips on creating an emergency fund may help you not to deviate from your financial goals.

3. Budgeting and Cash Flow

Budgeting and cash flow management is a very powerful concept which we would like to share with you. Managing your cash well is the key to success. Expenses in excess of income means that you are relying on debt to cover your living. Living within your cash flow can be a skill which can be transferred to you by our experts. This may bring valuable information to you for managing your lifestyle expenses better and finding opportunities for savings. These saving opportunities may be directed towards investments or protecting your financial future and goals.

4. Life Insurance, Disability and Critical Illness protection

The most important part of planning for future and ensuring the achievement of personal financial goals is the risk management through insurance. Our life goals may be exposed to various uncertainties like death, disability, critical illness. Once our financial goals and priorities are determined based on the individual situations, it is important to secure the right protection for yourself and your family to combat the unforeseen circumstances. Although Insurance is not a mandatory investment, the proper type of coverage may secure your assets, life quality and financial future.

5. Wealth Creation

Big plans may start with baby steps. While we are assisting you in preparing and managing your financial budgets and establishing short- and long-term financial goals, we an guide you to the wealth building process.

Saving little by little toward your future goals makes perfect sense even as you work on managing your debts, building an emergency fund, strengthening cash flows following budgeting process and protecting your loved ones through insurance. The earlier you start saving, the more time money will have to grow and build your wealth.

6. Preserving your wealth

Preserving the wealth is as important as creating it. Wealth can be eroded by improper tax planning or not having proper will.

Work with a qualified lawyer to put an estate plan in place that:

1. Ensures your legacy reaches your intended heirs
2. Helps to manage estate and/or other taxes
3. Sets up medical and financial powers of attorney, so that someone can take care of you should you become incapacitated