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Do You Have a Full Financial Game Plan?

January 19, 2017

Financial planning takes a big picture view of you, your lifestyle, and your financial needs and priorities. Without this broad approach, it’s like trying to see out a window with the curtains half-closed.

Today I want to share with you the importance of contingency and business plans. For example, you have been successful for many years running a profitable family business. Even though the company has enjoyed sustainable growth and success, you may feel uneasy about personal finances. There are three main concerns:

First and foremost, the risk of a catastrophic life event. What would happen if you die or become ill? How would your spouse and kids replace your income? Are they capable of running your business without you? Many hardworking and family-oriented people don’t realize how easy and inexpensive it is to make sure their family is protected from income loss.

Second, your profitable business may take you straight to one of the top tax brackets. You could do what the typical business owner does to reduce the tax burden: buy new things you don’t need such as vehicles, equipment, etc. that only depreciate over time. Alternatively, you can keep more money using a retirement plan that allows your business to write off the money put away for retirement as a business expense.

The third logical concern: what do you do with the retained earnings? You may want to invest in real estate properties, but don’t have the time to learn how to do it and meanwhile have all your money sitting in cash earning close to nothing in the bank. Our dollars lose buying power in time and it is important for financial success to not only save but to grow your money. Every dollar counts and must have a clear task aligned to your stated goals.

When you organize your most important financial goals and priorities and work with a financial advisor over time, implementing a full financial plan, you can enjoy a plan that manages risks and helps grow your money.


Example used as hypothetical illustration only and is not indicative of any particular investment. Your actual results will vary. To determine which investments may be appropriate for you, consult with your financial professional. NPC does not render legal or tax advice.

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Written by: Benjamin Barboza

Benjamin joined trilogy financial services with the purpose of helping people realize their most important financial goals. He believes that everyone should plan, save, and manage risk with the help of a financial professional to make better decisions over time. He has a passion in working with people of all ages and background. His ability to communicate proficiently in English and Spanish gave him the opportunity to build strong relationships with people from all over the world and made him aware on how culture shapes the way we think and ultimately the way we make decisions about money. 


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