Our Focus is to help you build an investment portfolio, which is backed-by insurance products.
Let's discuss strategic-ways to fund your retirement savings account, and never outlive the money.
Short Term Goals
Start your Financial Journey with Short-term Goals. Ones that are easily to achieve in the near future.
Accomplishing these goals will build momentum,and as you monitor your progress, using today as the
reference-point to measure your long-term success rate.
Expenses are categorized into (2) categories: 'Necessary & Discretionary'
Since many expenses are variable, such as utilities and groceries, it's really
imperative that one averages these amounts. Some other expenses are only
periodic (such as vehicle registration).
Divide the Total Amount by 12, to calculate the monthly amount..
What is your financial position today? Determine your 'Net-Worth' by; subtracting - the total of everything you owe,
from the total amount of everything you own. By understanding what your overall financial picture looks like, today,
gives you direction towards where you want your financial picture to be in 10-30 years.
The Essential Expenses - Food, Housing, Transportation, Medical Care, Child Care, Insurance, Laundry, etc.
Discretionary Expenses - Personal products, Entertainment, addictions (cigarettes, alcoho) Holidays, Vacations, etc.
Tracking Day-to-Day Expenses
It's time to start tracking your spending. Different methods of tracking work for different people; some like to
save receipts while others prefer to jot down all purchases in a small notebook they carry with them.
Remember: tracking is effective (only) if you count every expense - including the morning coffee.
newspaper, the movie rentals, and even small habits should not be overlooked. Carefully record both weekly
monthly spending totals.
Are You Ready
to dscuss your
Long Term Goals
You are NEVER too old to have a new dream or to set a new goal.
Determined your take amount, and your expenses, and total debt;
Then, subtract ALL your expenses from your net income.
If the result is positive, then you can then use the extra money
towards your financial future, and saving towards your goals.
If your expenses exceeds your income
You must make some adjustments to either cut your spending habits
or increase take home income, to bring your finances into balance.
Once balance is gained, then begin saving towards your goals.
Will you have enough
Monthly Net Income
Monthly Income - from all sources (after taxes) . For infrequent income, such as bonuses,
calculate that particular income annually, then divide by 12, to find the monthly amount.
Retirement Income will Not work itself-out...
It takes being proactive and strategic planning
to acheive a comfortable level of retirement income.
Many Small Employers don't offer a Retirement
So most employees have
very little Retirement Assets
Turning Dreams into a tangible reality, one at a time..
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Saturday 10 - 2
- Build a Portfolio of Insurance Protections and Assets.
- cearly defined financial objectives, and strategic planning.
- long term compounded-interest, Tax-deferred, fixed investments.
Here's How We Can Help ..
How Long will it
take to spend-down
your entire savings
Some mistakenly look at their accumulated Savings, thinking that the whole sum is their
entire nest-egg, not realizing that about 1/4 - 1/3 will be taken by the government in taxes.
There's No ' Golden-Secret '
It's all about planning and staying flexible