Do you know your net worth? This is defined as your assets minus your liabilities. In personal financial planning, assets typically include bank savings and investments such as mutual funds and individual stocks and/or bonds, and sometimes real estate, business ownership and collectibles.

We help you discern the important difference between long-term investments and short-term savings. We suggest that:

  • Savings are for both:
    • Emergencies, such as:
      • Vehicle repairs
      • Home Repairs
      • Family health issues
      • Loss of job/income, and
    • Planned near-term needs, such as:
      • Your next vacation
      • New car
      • Other planned expenses
  • Investments are for the larger, long-term needs, like
    • Retirement
    • Kid’s college funding
    • Overall wealth building

These needs are funded very differently, with savings normally in vehicles like:

  • Bank accounts
  • Savings bonds
  • Treasury Bills

And investments normally in:

  • Mutual funds
  • Stocks
  • Bonds
  • Annuities

Often, these investments are offered through employer retirement plans and college savings plans.

Armed with this basic understanding and some very important attitude and behavioral coaching from us, we believe clients can become much better investors and savers.


Click here to contact us today so we can begin or if you have
any questions that we can help you with.