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8461 Lake Worth Road Suite 163
Lake Worth , FL 33467
(561) 389-1227

Personal Money Management

Ever looked at your gross earnings statement at the end of the year and wondered where the money went?

A sound financial road map takes the mystery out of money and puts you in control so that your spending supports not only your needs but your goals and dreams. A personal money management plan can include any or all of the following areas:

Money Management to meet your lifestyle goals - Whether your income is $50,000 or $500,000, it is imperative to have a clear picture of where the money goes, and that picture is the basis for well-informed financial planning.This cash flow analysis also reveals how you're positioned for life's emergencies.

Insurance an risk management to keep the unexpected in check - Having more insurance isn't always better, but having enough is vital. Insurance helps protect us against life's unexpected risks to you and your family. A car accident, illness or major injury can collapse even the best-laid plans. Understanding your personal situation and your life goals helps establish how much insurance is enough.

College planning to support their dreams without jeopardizing yoursEvery family's wish is for the children and grandchildren to have it better than the previous generation. Today, there are numerous options for college and special training programs. While providing for children's education is a worthwhile goal, it is important to understand how the money you provide can affect a child's ability to receive his or her own financial aid. It also is important to measure any such gift against the need to plan for retirement. We look at the ramifications of each savings and financing option when creating a family college plan. 

Retirement Planning to make them golden years - A long, healthy life can be a blessing. But enjoying those retirement years takes greater planning today than in past generations. Wit fewer jobs guaranteeing a pension, future retirees will need to rely more heavily on their own assets. The best time to plan for a plentiful retirement is when you have lots of time. No matter whether you see retirement within the next few years or many decades away, an assessment of your goals, assets, and investments along with a savings and investment strategy will make retirement a time to be cherished.

Tax Planning to take the bite out of April 15th - A thorough review of your income tax return by a professional with broad-based financial experience can reveal potential tax savings. The only way to achieve those savings is through tax planning. There is little anyone can do to change their tax profile on April 15th. Tax planning involves taking steps before the end of each year that keep your taxes in check and at the same time, move you toward your financial goals. 


*Carol O'Neil, securities offered through H.D. Vest Investment Services,sm Member SIPC, Advisory Services offered through H.D. Vest Advisory Services,sm 6333 N. State Highway 161, Forth Floor, Irving, Texas 75038, (972) 870-6000. CEO Financial Services is not a registered broker/dealer or independent investment advisory firm.