PERSONAL FINANCIAL SERVICES
Personal finance can be broken down into a few key areas, all of which Aperion can provide assistance with.
When we partner to put together a successful financial plan for you, we will cover these areas:
CASH FLOW
Everything starts with cash flow. This is the first thing we need to look at as part of a financial evaluation. Our intent is to help you keep more of what you earn and how to make your income work for you.
BUDGET
Budgeting is usually task that people don’t enjoy. But this is where people find out that they usually have more than they realize. The budgeting process is critical to help you determine how much you can allocate to savings, coverage, and investing which makes it a critical part of the process.
DEBT MANAGEMENT
It cannot be emphasized enough that debt is a major setback when it comes to achieving financial goals. At the same time, it is unrealistic in today’s world to go through life without some level of debt. Aperion can help in terms of debt reduction strategy to help you get on track with your financial goas sooner than you think.
SAVINGS
Having savings is critical to long-term success. Savings isn’t intended to provide for your long-term financial needs, but rather that help you cover for emergencies. Those unexpected (or sometimes expected) costs are the main cause of people not achieving their financial goals and often drive up someone’s debt or cause them to liquidate their investments too early. How much to save and where to put it is where Aperion can help.
Protection
Protect your estate and your legacy through insurance coverage. Life insurance is some of the cheapest money that you can buy and it helps to support your loved ones in their times they most need it. Life insurance can also provide living benefits to you as well such as a cash value savings plan or long term care and disability coverage.
Growth
The main purpose of a financial plan is preparing for your future. Covering your family’s needs, buying a home, preparing for retirement…whatever your future needs are, you want to make sure that you will have the funds to cover those big moments of life. This is about making your money work for you so that you have enough to enjoy life without stressing about how you will be able to afford it.
Wealth Preservation
Wealth preservation is a fancy way of saying keeping more of what you earn over the long term. This includes things like setting up a will & trust, diversifying risk across your savings & investments, and spreading out your assets across different tax buckets to minimize what you pay to the government. Too many people lose sight here and end up losing too much of what they have worked their whole lives for. Don’t let lack of planning cause you to lose the fruits of your years of labor!