If you are just beginning your investment journey, there are three qualities you should possess :

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An  income of some type on a regular basis. It can take the form of a regular check, tips, pensions or bonuses.

 

Time. Take a look at your earnings for the past year and check how much of it is available for your use today.

Look ahead to your future earnings to see how much money will pass through your hands.

Planning for your future takes time and commitment to reach those goals.

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Desire. This is the realization that it will take a change in what you have been doing to a

accumulate the money you need to satisfy that desire.

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If you have the three qualities above, we can design a plan to help you achieve your goals.

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The plan will need these three ingredients and some reasonable goal setting.

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The goals should include:

 

Personal goals:

This can include further education or training for added future income.

 

Long term goals to supplement retirement income:

Social Security and any pension income you may receive need a boost from personal savings to keep up your standard of living.

 

Shorter term goals:

Things do wear out and replacements need to be planned for so that they do not appear on a charge card. These things include a planned vacation or new car. 

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Insurance needs:

How much insurance and what type of insurance needed is part of a plan to be evaluated.

 

Emergency reserves:

Things happen and situations come up that require on-the-spot cash.

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If you fit the above descriptions, we can help you build a plan that is achievable