Don’t Go It Alone!

Have you ever shied away from asking for help?  Most, if not all, of us have at one time or another.  There are endless excuses we give ourselves why we shouldn’t.  It could be we don’t know who to ask, we don’t think anyone is available, or the biggest one...fear.  Fear of over-stepping a friendship. Fear of appearing too needy. Fear of imposing.  Fear of revealing our struggle and having people realize we don’t have it all together after all. 

This is all a matter of pride.  We do not want to seem weak, it may be embarrassing, or maybe we want to maintain an image of strength and independence.  This only leads to the detriment of yourself and society! The truth of the matter is, we are not masters at everything, we need each other’s help.  There is nothing wrong with this!  It is how it was always intended to be!  It does not show weakness, it is by design.  While yes, you may be able to make it on your own, the beauty is that you don’t have to!  Thousands of years ago, one of the oldest historical texts, says this…

“Two are better than one, because they have a good return for their labor:  If either of them falls down, one can help the other up. But pity anyone who falls and has no one to help them up.  Also, if two lie down together, they will keep warm. But how can one keep warm alone? Though one may be overpowered, two can defend themselves. A cord of three strands is not quickly broken.”
Ecclesiastes 4:9-12

You should never let an excuse get in the way of asking for help.  It is how society was built.  People working together to reach a common goal.  If you don’t ask for help when you need it, you are not just taking the burden on yourself, but you are also depriving those who care and want to assist you!  Everyone is worse off!  Everyone has gifts to share… time, talent, connections, insights, experience, skills, resources, hospitality the list goes on and on…and we love to share them!  One of the best joys in life is helping others!  Don’t deprive people of this!

Remember, we are not designed to make it alone.  If you are struggling, I want to help.  Especially if it pertains to financial matters, one of the biggest stressors and causes of family discord.  Please do not hesitate to contact me.  I guarantee there is no charge, no obligation, and no judgment.  I am not offering schemes, I am offering to get in the trench with you and push through together. 



1111 E Address Road
YOUR CITY, GA, 00000
Mobile: 000-000-0000
Fax: 000-000-0000


September 2019

Interesting Facts:

-September comes from the Latin word 'Septem' meaning seven.  At the time, March was the first month making September the 7th.  This is also why February only has 28 days.  (It was the last month in the year).

-Celery effectively has negative calories.  (It takes more calories to eat a piece of celery than celery has in it.)

-The word "set" has the most definitions in the English language.

-Most hummingbirds weigh less than a penny.

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What is Living Debt-Free & Truly Wealthy?

Many people have asked me, "What do you mean when you say 'Living debt-free and truly wealthy'."  The answer is both simple and complex.  The goal I have set for myself is to help all my friends, family, and people in my community become debt-free and truly wealthy.  There are two parts of this, (Debt-free and Truly Wealthy respectively.)  Debt-free is pretty clear in its meaning, but what does truly wealthy mean? 

Becoming truly wealthy is a relative term with an important meaning.  It is founded on the core that everyone has a different definition of 'wealth'. To some it is as simple as having a roof over their head and food on the table for their family, others it is being able to help send their children to college, and still others are dreaming about diamond-studded swimming pools.  For me, living truly wealthy is being able to spend, save, invest and plan wisely for the future, and be financially independent while still having enough to give to the needy.

When I think of people who I consider wealthy, it is not about buying everything on the shelf and going on vacations each month. It is about being in control of your checkbook.  It is wisely managing your purchases, so all of your needs are taken care of without seeing that dreaded 0 or red number.  It is knowing how and when to say, 'no' and not worrying how you are going to pay all of your bills.

The next part of being truly wealthy is being able to save and invest for the future.  It is about knowing how to put money aside for the important things to come.  It is realizing that a rainy day will come and being prepared for it.  Furthermore, it is about planning wisely, to make sure to be able to retire one day. 

The next step in being truly wealthy is being able to help others. Throughout life, there will be people who are going through a rough time and need help.  This may be a friend, family member, or total stranger.  I don't want to have to say, 'no' to them if they truly need it.  There are many causes in this world that are worth supporting. Being truly wealthy is being able to help them.

The final step in living truly wealthy is to be financially independent.  It is being able to manage all of the above things (whether by yourself or with help from an advisor) wisely, and to stay ahead.  It is reaching that true balance.  It is not relying on loans or credit cards. 

All in all, it doesn't matter how much you make each month.  Living truly wealthy, is about managing what you do have wisely, to keep yourself in a prosperous situation.  It is about planning and discipline, and making your money work for you in the best way possible.




It’s LIAM!

This September is the 16th anniversary of Life Insurance Awareness Month (LIAM). LIAM was started in an effort to raise awareness among consumers and producers about the need for life insurance. Americans by and large aren’t saving much money and many households are still mired in debt. Many see value in life insurance, but less than half have individual life insurance policies.

Half of the households in America would feel the financial impact from the loss of their primary wage earner in a year or less. In fact, over 40 percent would feel the impact within 6 months, including nearly 40 percent of households with an annual income of $100,000 or more.

Now more than ever, it is vital that consumers protect their financial security. Life insurance has been providing this kind of protection to Americans for more than 200 years.

Lastly it is to spread awareness of the many ways you can use life insurance.  Life insurance has evolved to not only protect your family if you die, but also while you live.  Call my office today for more information.