Achieving Financial Civilization

In order to understand Financial Civilization SM, we have to first look at human civilization. Before civilization, people lived in nomadic tribes. Satisfying their basic needs (food, water and shelter) occupied their time. Once those tribes organized themselves into villages, towns and cities, basic needs were sustainable, and the focus shifted to new concepts that could better their lives. Technology, science, art, music and culture were results of civilization.

In today’s society, too few of us have the time or financial freedom to pursue what we truly care about. While home ownership is at an all-time high of 70% in the U.S., less than 1% of Americans ever make the time to meet with a financial planner.

In becoming financially civilized, the stress of managing your finances is removed, giving you the freedom to accomplish your true dreams and passions and to make a positive impact in our world and in the lives of your loved ones.

My personal mission and the reason I have chosen to be a mortgage planner is to help individuals and their families achieve Financial Civilization SM. Once the first stage of Financial Civilization SM is achieved, we will help you implement a customized, long-term plan.

We work to ensure that you are getting the most out of your home and investments without distracting you from living your life and fulfilling your dreams.


Questions to Evaluate Your Level of Financial Civilization SM

1. Do you live paycheck to paycheck?

2. Do you have an emergency cash fund of six months of bills, six months of income?

3. Do you carry more than 25% of your annual income in debt?

4. Do you use credit cards to get by?

5. Do you use credit to buy things that you shouldn't?

6. Do you have a family budget? If so, do you live within it?

7. Does that family budget include savings?

8. How much money do you need annually to retire?

9. Are you on track to achieving that?

10. Do you buy now and figure out how to pay for it later?

11. Do you spend money assuming your income will catch up with your spending?

12. Do you ever lose sleep because of financial stress?

13. Do you ever argue with your significant other about money?

14. Do you ever feel regret about money?

15. Do you ever feel that you can't provide for your loved ones because of finances?

16. What would it feel like to live without that worry?

17. What would you do to remove that worry?

18. If you were shown a way to remove that worry in your life, would you follow that advice and take action?

Please call me at 952-808-2815 to begin designing your plan to achieve Financial Civilization SM and Beyond.