Financial Literacy – 4 Simple Tips to More Money! Part 2

Welcome to part two of Financial Literacy – 4 Simple Tips to More Money! Did you miss part one? You can click the thumbnail at the bottom to watch the fully produced VIDEO version of this blog, or see it on my video blog site where you can see this video as well as all of the others in my financial education series.Financial Literacy Bad Credit

Mistake #3 Bad Credit

So… I’m sure we’ve all encountered credit situations. Buying cars, getting a mortgage, heck even renting an apartment these days, they want to check your credit score! What a lot of people don’t know though is that a low credit score can actually affect the price you pay for things like car purchases. Seriously! I talk about this financial literacy stuff a lot, but let’s get into some REAL numbers. If you had a $30,000 car loan over 5 years, what’s the difference between a 3% interest rate and an 8% interest rate? Over $4,100! You’re paying an extra $4153.80 for that car because your credit wasn’t as good and you had to pay a higher interest rate. How crazy is that!? Nobody wants to pay more, but we can fight this effect. Solution: Improve your credit score. It really is that easy, and it’s something YOU can do by yourself with no help. I’m not going to re-invent the wheel here. There are already PLENTY of great articles out there with credit tips. Seriously, just pull up a browser window and type in “Improve my Credit Score” and start reading!  Bottom line: Better Credit Score = Lower Payments = More money in YOUR pocket. While we’re on the subject of credit, let’s move on to mistake #4 and that’s…

Financial Literacy Credit Cards

The Plastic Lifestyle is pure poison! You pay extra for EVERYTHING!


#4 Living the Plastic Lifestyle

Carrying a balance and living off of credit cards is the ultimate mistake you can make. You end up paying more than the regular price for EVERYTHING YOU BUY. Credit card finance charges are your worst enemy at ANY age. Solution: If you’re already free of credit card debt, you are awesome! Do everything in your power to stay that way…forever. Every dollar you pay in interest is a dollar you’re giving away to the finance company. Do they need that dollar more than you? Survey says: No! If you do carry some credit card debt, here’s a great way to get rid of it. Get all of your balances together and figure out the interest rates of each credit card or charge account. Take the one with the highest interest rate and put all of the extra money you can afford toward paying that highest interest rate off first. Just pay the minimum everywhere else. If that means an extra $50/month, then great! Start there and work your way down starting at the highest interest rate and ending at the lowest. That is THE MOST efficient way of paying off credit cards, period. I get into more detail in my eBook, which you can get for free by visiting my video blog and joining my VIP List. Go get it! It’s free when you sign up!

Financial Literacy Education

Click here to watch the VIDEO version of this Financial Literacy Blog!

Bottom Line: financial literacy education is worth your time, and worth its weight in gold. It can put massive amounts of dollars back into YOUR pocket over the long haul, and that’s no joke! Did you miss mistakes 1 and 2? Just click here to watch the full version on video!

If you’d like to schedule a free consultation or find out if you’re on the right track financially, click the scheduling link in the video or visit and click the “Schedule Now” button in the menu! I’m available face-to-face, through video chat, or over the phone. Join me on social media and be sure to leave questions and comments! See ya soon!

Kyle A. Davis is a financial advisor and president of Integrity American Group, LLC. He is a Florida native and an advocate for financial literacy and practical money education. When not assisting clients in retirement planning, he creates educational videos on financial wellness and offers free resources on his personal finance website!

Financial Literacy – 4 Simple Tips to More Money! Part 1

Do you ever look at your bank balance sometimes and think, “Where the heck did all of my money go this month?!” Ha ha! Believe me…been there…said that…more than I’d like to admit. Today I’m going to show you 4 costly mistakes that we make and simple ways to fix them. Timeless financial literacy tips like these can help you no matter where you are in life!

Financial Literacy Education

Click here to watch the VIDEO version of this Financial Literacy Blog!

Mistake #1 Filet Mignon Tastes / Ramen Noodle Budget

It’s really easy to get carried away here, isn’t it? If you eat out a lot, or have expensive tastes when it comes to food, that can put a huge drain on your bank account! I remember when I made my first budget years ago, and figured up what I was spending eating out and it nearly blew me away! Solution: First, obviously, limit your meals out. I cut back to going out to eat once a week and there’s nothing to miss! Also, if you eat out less with your significant other, you might find that you look forward to it a little more, and it becomes more special. Next: Prepare your lunches for the week in advance. That way, you’re less tempted to run out and grab something quick. Bringing your lunch is cheaper, and healthier! A $7 rotisserie chicken can feed you for 2-3 days at lunchtime. Sign me up! Finally, consider a membership at a bulk store. I can’t tell you how much I’ve saved buying items in bulk that I’d be buying anyway at the  supermarket. Follow these guidelines and you’ll start to see big savings on food costs! I’ve been preaching simple financial literacy like this for years, and I can show you some real numbers and math from an article I wrote years ago about bringing lunch vs. buying it. Check it out here if you have time!

Financial Literacy with Ramen Noodles

Have a taste for steak but a budget for ramen noodles? You’re not alone!

Mistake #2 No Savings

It may seem obvious that everyone needs extra savings or an “emergency fund”, but did you know that you could end up paying extra if you don’t have a stash to dip into? Think about it. If you can’t pay for something in full, you are forced to finance through a finance company or a credit card. You have to pay interest on top of the original purchase price too, which means you’re paying more than what’s on the price tag…that’s bad! Especially if it’s a real emergency! Solution: If you do not have a savings built up, make that your top priority. It’ll keep you out of trouble! Forget investing, forget retirement plans, savings MUST come first. It’s a big deal! This is a core value to sound financial literacy and financial wellness. Without a savings, you have no business investing. There, I said it! I personally recommend three months worth of bills as a base savings, but that’s just my personal take. If you’d feel better with more, that’s ok but three months should be your minimum!

Financial Literacy Savings First

Don’t invest until you save! Just don’t!!

Stay tuned for Mistakes #3 and #4, or just click here to watch the full version on video!

If you’d like to schedule a free consultation or find out if you’re on the right track financially, click the scheduling link in the video or visit and click the “Schedule Now” button in the menu! I’m available face-to-face, through video chat, or over the phone. Join me on social media and be sure to leave questions and comments! See ya soon!

Kyle A. Davis is a financial advisor and president of Integrity American Group, LLC. He is a Florida native and an advocate for financial literacy and practical money education. When not assisting clients in retirement planning, he creates educational videos on financial wellness and offers free resources on his personal finance website!

Zero…to Millionaire! – Retirement Planning Orlando, FL

Millionaire!! That word gets thrown around a lot, right?? Millionaire. Has a nice ring to it – but if I asked you how to become a millionaire, most of you would tell me that I’d need to win a prize, or game show, or win the lottery in order to become a “millionaire”. It’s actually a really big deal to know this kind of thing, especially when it comes to investments and retirement planning. But, have you ever thought about what it would actually take to become a millionaire from scratch? Seriously, if you started with nothing, what would you actually have to do to reach “millionaire status” – meaning you have a million dollars or more in your accounts? As you’ve probably already guessed, I’m gonna tell you! I’m a financial advisor, guys. What did you expect?

Retirement Planning Orlando, FL

CLICK HERE to see the Video version of this blog post!

Now, if you have nothing in your savings or investment accounts, and you’re not actively saving, obviously you’re going to have to change that very quickly. The road to being a millionaire is paved with consistent disciplined savings habits. If you’re not willing to put aside money for yourself, seriously, stop the video! You’re wasting your time here…because that’s exactly what sound retirement planning is all about!

Disclaimer: I am not depicting any particular investment or product, nor should this serve as a guarantee of any kind, but the math is real! Let this serve as a conceptual blueprint and give you some encouragement!

I’ve noticed when people do long-range calculations like this, I sometimes see numbers as low as 6% annual return and, in the case of a certain financial celebrity who shall remain nameless, sometimes I hear claims of a 12% annual return. I’m going to be reasonable and use 8% and 9% for what you’re about to see, just to show you some variance.

Retirement Planning Orlando, FL

Let’s use 8% and 9% returns to be fair. Anything higher is too aggressive for true retirement planning!

Also, I’m using age 65 as the ending date – meaning the million is finally built up once the individual is 65…which has kind of become the “default” retirement planning start date in our country…contrary to reality. Ok, so at different starting ages, and different rates of return, what kind of monthly commitment are we actually looking at to get this done?

Here’s the chart I put together to show you the numbers. This is the “Millionaire Table”. Starting from scratch, this shows you, at various ages and net returns, the monthly amount you’d have to put away in order to have $1,000,000 by the time you’re age 65…

For example, look at the 30-year old. They would have to put away $483.61/mo at 8% net return to get to a million, or even less, $386.32/mo if they are earning 9%. Look at how the monthly savings amounts grow from each age bracket. As you can see, it starts to get harder and harder to achieve that million dollar mark the longer you wait. Now, I’ll be the first to tell you that accounts don’t really behave like that, earning the same return each year for 20 or 30 years, but still. As a conceptual blueprint just to see the possibilities, it’s encouraging! You can do this!

Retirement Planning Orlando, FL

The “Millionaire Table”

Now here’s a little secret for you. All of the numbers on this chart…scale perfectly with their Age 65 account values. In other words, cut the ending account value in half, and you can cut the monthly savings needed in half.  What if I told you that 60% of people 65 and older have less than $100,000 in their retirement accounts and that only 5% will ever get to the $500,000 mark. That comes straight from the EBRI – a HUGE authority on retirement planning, so feel free to look it up! Only 5% will ever get to half a million, and now you have an idea of what it might take, even if you’re starting from scratch! I don’t know about you, but I think that’s pretty motivating…and achievable!

If you’d like to schedule a free consultation or find out if you’re on the right track financially, click the scheduling link in the video or visit and click the “Schedule Now” button in the menu! I’m available face-to-face, through video chat, or over the phone. Join me on social media and be sure to leave questions and comments! See ya soon!

Kyle A. Davis is a financial advisor and president of Integrity American Group, LLC. He is a Florida native and an advocate for financial literacy and practical money education. When not assisting clients in retirement planning, he creates educational videos on financial wellness and offers free resources on his personal finance website!

Coming Soon: Educational Video Blog!

Hi everyone!

This is Kyle Davis, owner of Integrity Financial Group. I’m a financial advisor in Orlando, FL who is ready to bring you something special! I’m very excited to announce a project I’ve had in the works for some time now! Starting in July, I will be launching a video-based financial education website designed as a totally FREE service to our clients and the general public! Financial planning and financial services in general has never been a very approachable or enjoyable topic. It’s usually very intimidating and most people would rather not go down that path at all!

Financial Education on Video!

Financial Education on Video!

This “video blog” as I’ll be calling it, is here solely for your benefit as an up-front value add, bringing you useful, engaging, and FUN video lessons to help you thrive in your own personal financial journey.

The video lessons on financial planning and financial wellness will be available on our custom website at or on our YouTube channel. The website link should go live very early in July!

Oh, and one more thing. There’s going to be a box on the video blog homepage to enter your email address. This will get you on the “VIP List”. Sign up for my VIP Program today and be the first to receive my latest and greatest as it releases. Don’t want to be a part of the VIP Program? NO PROBLEM! Just head on over to the website and browse on your own time…I will be sending bonuses and freebies to my VIP’s though, so I’d highly recommend throwing your name and email into  the hat. It’s FREE!

I hope you enjoy watching and sharing these lessons as much as we’ve enjoyed making them!

All the best!

The 10 Commandments of the Mortgage Process

Hi everyone! Kyle Davis here to give you a little financial wellness tidbit and provide value as a wealth coach. Today I want to share some great guidelines that will help you through the home mortgage process. Whether you’re buying or refinancing a home, it’s a HUGE commitment that will send ripples through your financial life forever. Fortunately, you don’t have to go into the process blindly! This list was put together by Damien over at Celebration Funding and it’s so good, I just had to share it with you! Here it is:


The 10 Commandments of the Mortgage Process


1. Thou shalt NOT change jobs, become self-employed or quit your job.

The reason that this is so important is if you would happen to change your job there is usually a certain amount of time that you would have to wait before you would be able to close. Up to 30 days!

2. Thou shalt NOT co-sign a loan for anyone.

During the loan process, any changes to your credit report or status could negatively affect your ability to close your loan on time or at all!

3. Thou shalt NOT buy a Vehicle or you may be living in it!

Applying for credit to purchase a vehicle will be recorded as an inquiry into your credit by credit bureaus. This may decrease your credit score or decrease the amount of money that you may qualify for when purchasing a home.

4. Thou shall NOT use charge cards excessively or make late payments on ANY of your accounts.

Excessive use of credit cards can have 2 negative effects on your credit rating. One, inquires will be recorded by credit bureaus and could decrease your credit score. Two, balances on credit cards exceeding 30% will affect your debt to income ratio and could decrease your credit score.

5. Thou shalt NOT spend money you have set aside for closing.

Most conventional loans require 2 months of reserve money to be verified in your available financial accounts. Once it has been verified for use at closing, spending these reserve funds may result in loan closing delays or even loan denial!

6. Thou shalt NOT omit debts or liabilities from loan application.

Be very honest and clear about ALL of your debts or liabilities early in the loan application process. Unrecorded debts or liabilities that are found later in the process may affect the amount of money you qualify for in addition to causing delays or even denial!

7. Thou shalt NOT buy furniture, appliances, or household items before closing. 

Although many people are anxious to furnish their new home, during the loan process is NOT the right time. Large purchases causing deductions in your banking accounts or additional debt on credit cards can negatively affect your loan process resulting delays or even denials. If this situation applies to you,.

8. Thou shalt NOT originate any inquiries into your credit.

As mentioned before, multiple inquiries into your credit may result in decreasing your credit score. Ability to qualify for a home loan. You may have to prove an account was never opened.

9. Thou shalt NOT make large deposits without first checking with your mortgage consultant.

Abnormal deposits or large deposits into checking, savings, or any financial account beyond normal payroll deposits must have money sources verified by underwriting again causing a delay.

10. Thou shalt NOT change banks.

Because the loan process requires a 2 month history of reserve funds, opening new financial accounts near a closing date may void the history. New bank accounts will not have the 2 month history available and cannot be used.


Home financing is a big deal and it’s amazing how much we can do to unknowingly sabotage ourselves right before such an important commitment. Thanks for sharing, Damien! Give their company site a visit and check them out on Facebook!

My CEO Interview – Why I Do What I Do

This month I had the pleasure of spending some time with Terry Pappy of Better3 here in Orlando, FL. We met a few

Kyle A. Davis Owner and Founder of Integrity Financial Group

Kyle A. Davis Owner and Founder of Integrity Financial Group

years back when I was first getting started in the business. She is a real guru when it comes to business marketing and coaching.

She gave me a great opportunity to really share my story. I usually don’t get a chance for this kind of thing unless I’m face to face with someone, so I was really excited when she asked me for the interview.


Click here to hear the interview of Kyle Davis by. Terry Pappy


Speaking with Terry gave me a chance to reflect on why I am in this business. I’m here to help people. It’s that simple. We live in a world on constant noise where it’s really easy to get sucked in by half-truths or misinformation from a clearly biased sources. I love helping people cut through the noise and deliver clear cut unique ideas that REALLY get the job done. I try to make it easy on people. Financial planning really can be a no-fail proposition if you’re working with the correct strategies.

Enjoy, and special shout out to Terry! Thanks again!

Why a 401(k)/403(b) Could Be a Death Trap

Hi everybody, this is Kyle Davis with Integrity Financial Group. I am an independent financial advisor in Orlando, FL. There are a lot of reasons that someone should have a 401(k) or 403(b). These two plans work very similarly, and for the purposes of this article, I am going to talk about a 401(k). Understand that if you have a 403(b), all of this applies to you as well. Tax-deferral coupled with an employer match is more than enough to convince people that putting money in one of these plans is a wise and worthwhile step in an overall retirement picture. A large portion of the American workforce will automatically enroll in the company 401(k) without so much as a second thought because they have been told, “It’s the right thing to do.” For some it is…but not everyone.

Click here for the video version of this blog!

Click here for the video version of this blog!

Would it bother you if I told you that a 401(k) might be one of the biggest traps in the history of finance? I’m about to explain why I don’t think everyone should have a 401(k). Please keep an open mind and realize that everything I am about to talk about goes deeply into financial principles that you may or may not be aware of.  Please take everything with a grain of salt, and do not make any huge decisions based on what you read here. It’s always best to consult with a financial advisor to discuss your overall picture. In other words, don’t ruin a well thought-out plan just because of an article you read on the Internet! Also, keep in mind that some of the concepts in this article might spur you to want to learn a little more, which is never a bad thing. Do your research. I’ve spent years doing mine.


1) Tax Deferral. This is often highlighted as a benefit to saving into a qualified plan such as a 401(k)! How could it be a bad thing? The very word “deferral” is synonymous with the word “postponement”. Qualified plans are tax postponement plans.

What does this mean?

I’ll explain. In financial planning, you always must dig deeper than the bullet points on your plan. All income that you earn from your company has to pass through a tax funnel, and that determines your take home pay. When you contribute money to a 401(k), you are doing so with pre-tax dollars. It’s sort of like a net that catches some of your cash flow and transfers it to the 401(k). Those dollars have never passed through the tax funnel. Still with me? Ok, so as the money grows, you “defer” the taxation to a later date, which defer is just a fancy word for “pay later”

A 401(k) is a government controlled plan that allows you to pay your taxes later, at interest.

A 401(k) is a government controlled plan that allows you to pay your taxes later, at interest.

Here comes the kicker.

The taxation of those dollars will occur at whatever tax bracket we are in when we take the money out…at interest. See, when you are watching your dollars grow tax deferred inside a 401(k), the government is also watching their share grow as well. They also have the power to make and change the rules at any time. If you had put $50,000 in a 401(k) and it grew to $500,000 – how much of that money is actually yours?

You don’t know.

The government might collect 20, 30, or 40% in taxes. Plus, you started with $50,000 of earnings – the government started with $0.


How much of your 401(k) money is actually payable to YOU?

How much of your 401(k) money is actually payable to YOU?

Even if you use a Roth 401(k) option, you’re still exposed to the other two problems.

2) The 401(k)’s underlying investments. Most people know that the 401(k) isn’t a type of investment. It is an account that holds the investments. We still have to pick which investments to put money into. The problem is the choices that are available to us. They are usually mutual funds…but let’s go a step further.

Lets discuss the fastest growing investment type in the 401(k) scene – the Target-Date funds. These funds are riddled with complexity, turnover, over-diversification, and what’s worse – they are rapidly becoming the default investment in auto-enrolled 401(k) plans through the country. According to a 2010 report released by Callan Associates, these types of funds have skyrocketed to a 69.3% default enrollment rate among company sponsors. They are an easy sell because they portray the ultimate illusion of control. In reality, neither employers nor employees understand these funds at all, and yet they are taking over.

Here’s a disturbing bit to think about. According to a Morningstar report from obtained disclosures from the SEC, more than 56% of target-date fund managers had invested NOTHING in the mutual fund shares that they manage, as of 12/31/2009. Also, of the 25 largest target-date funds, 20 out of 25 have not been in existence for even 10 years. Lastly, out of the 14 biggest target-target date series, 10 of them had average yearly total fees exceeding 2.5%. That means you’d have to get a 2.5% gain each year just to break even! This is not counting 401(k) admin fees.


If you’re in a target date fund, do yourself a favor and learn more about them. They can carry tremendous fees, confusion, and hypocrisy. The people are really going to freak out once they realize that target-date funds may contain as much as 90% stock.


3) The need for capital. We are locking money away in a 401(k) and by comparison have little in actual liquid savings. What will happen when we need money to make a major purchase? Most often we will go and borrow  the money, pledging our future to pay back the loan as well as paying interest.

This is extremely counter productive. For a more in depth look at this topic, check out my video here or read the text version here.


So, by investing money into a 401(k) or 403(b), we have arrived at a situation where we are:

-Deferring taxes to an unknown bracket in an environment where the rules can be changed by the government at any time,

-Investing in Wall Street securities that have horrible track records and enormous fees, and

-Taking the control of our money away from us and forcing us to finance purchases and pay interest.


Company matches can be a good offset to these problems, but when you stack them together, a company match will hardly make it worthwhile for someone to pay unknown taxes, gamble on Wall Street with all of its fees, and pay finance charges all at the same time. Is having a company match worth all of these other issues? I’m not convinced, and this financial planner has never had nor will he ever have a 401(k).

Believe it or not, there are some great alternatives out there to 401(k)’s! If you want to discuss options, or want to meet with a financial planner for any other reason, visit us online or call today at 888-668-1414 to schedule a free complementary consultation. Thank you for reading!

Introduction to Infinite Banking

What is Financial Planning, REALLY?

Hi everyone! This is Kyle Davis. I am the founder and owner of Integrity Financial Group here in Orlando, FL. We are a locally owned independent financial planning firm. Sometimes when I’m out in the business community or I’m meeting new people, they ask me what I do for a living. Naturally, I share with them that I’m a small business owner and I own a financial planning firm here in town. What comes out of their mouths next though, usually makes me cringe.

Probably 75% of the time they lay this one on me, “Oh, so you’re a money manager?” or, “Oh, so you manage portfolios and do stocks and bonds?”

Now, these things are sometimes PART of a broad financial plan, but trading stocks and bonds or managing an investment portfolio DOES NOT make someone a Financial Planner. It makes them exactly what they are – a Stock Broker or and Investment Manager. Often one can be lulled into a false sense of security by thinking that their stock portfolio will provide all of the answers to their financial future. What’s worse, they assume that their stock broker is putting together a comprehensive financial plan because they are managing the stock investments, when that conversation never happened. I want to get into the nuts and bolts of what I believe to be the key elements involved in true financial planning and answer the question, “What is Financial Planning, REALLY?”


Do you know all the pieces of the game?

Do you know all the pieces of the game?

I agree with one of my instructors Craig LeMoine, CFP at The American College in his assessment of what it means to be a true comprehensive financial planner. To explain this, let’s look at the acronym G.R.E.T.I.R.E. and separate them into the following list. I want to touch on each area on its own and really punctuate that these are the things that encompass financial planning. As you can see, it goes way deeper than investments.

General Principles– These are the base principles of the process. The financial planning process itself can be separated into 7 Steps. 1) Establishing the planner-client relationship which essentially means setting expectations, 2) Gathering relevant data and personal information, 3) Analyzing that data, 4) Forming the recommendations based on that client’s individual situation, 5) Presenting those recommendations and choosing which direction to go, 6) Implementation of the chosen recommendation, and 7) Monitoring the recommendation and making adjustments when necessary.

Risk Management– Managing risk in a broad sense, all the way from investment risk to personal, income, and life risk. When you engage in the practice of risk management, there may be insurance products involved. Do we have strong liability limits on our auto and business insurance? Does the client have the proper disability coverage? Does the client have adequate life insurance in place to ensure that their family will be financially strong? Am I accomplishing my investment goals without taking on more risk than necessary? These are the types of questions that the planner must think about.

Employee Benefits- This one is extremely important, and many workers (especially the self-employed) may not have access to quality benefits at reasonable rates. The rising cost of healthcare is always a large concern, especially presently. Employee benefits can cover or completely eliminate the high out-of-pocket expenses for benefits such as health and disability among others. We must also consider deductibles for health insurance or any benefit elimination periods(waiting periods) on disability coverage.

Tax Planning- This one should go without saying. We are all affected by taxes. Do many people feel they pay more tax than they should? Well, the short answer is Yes, nobody WANTS to pay taxes. This key element of financial planning can be the difference between all going smoothly, or an ugly unexpected surprise. Tax liability, especially when it comes to retirement planning, is a HUGE consideration, especially in the realm of IRA and 401(k)/403(b) investing. Our video on Qualified Retirement Plans explains why.

Investment Planning- Here is where our stocks and bonds can reenter the conversation. Do investments play a part in financial planning? Absolutely they do. They allow us to grow our money so that there is more for later, as well as fight inflation.  However, we need to understand that “investing” is NOT financial planning. It is simply that. Investing.  Often, investments can come with a large amount of risk. The key is in the type of investments we are making. Who shoulders the risk in your investments? Do you hold all of the risk by putting your money directly  into stock markets, or have you shared that risk? Are we properly diversified, or do we have all of our money into the market? There are many risk-free investment options out there as well that pay guaranteed returns. Remember, stocks and bonds did not come into vogue for the average American until the 1980’s. Even now, people still invest in land, buildings, businesses, annuities, and futures.

Retirement Planning- Retirement isn’t just about having money saved up. It’s also about living arrangements, care giving, income planning, medical care, and deciding weather to continue work and to what degree. This is obviously not an exhaustive list, but we now see that there’s a lot more going on than just saving a big retirement account. Having said that, saving money for retirement has become one of the main focuses in the overall financial planning environment. We can no longer rely on companies and pensions like we used to years ago. It’s a different game now, and we must plan for our own well-being in retirement more than ever.

Estate Planning- For one to truly call themselves a comprehensive financial planner, they must be willing to get other professionals involved in the process. This reflects heavily in estate planning, as an attorney must become part of the client/planner relationship. Proper estate planning can affect generations- ensuring that one’s hard-earned estate is not eroded by heavy taxation, or making sure a business is properly sold or carried on upon the owner’s death.


Does it make a little more sense now why I cringe when people immediately jump to talking about investments when I tell them that I’m a financial planner? It’s not all about stocks and bonds, and I hope you now have a clearer understanding of why that’s the case. Man cannot survive on investments alone. If one lives by the markets, then one dies by the markets as well. Until next time, keep up the good work, and don’t hesitate to call us or fill out the contact form if you have any questions.


CBC Central FL “Open Your Heart Breakfast” 2013 – Orlando, FL

I wanted to take this opportunity to send out a big “Congratulations” to Community Based Care of Central Florida ( for a successful and wonderful breakfast event yesterday. On behalf of us, we are proud to support you and the work you do in our Central Florida communities.


Special Thanks to:

Glen Casel

Michael Bryant

Stacy Peacock

Catherine Davis

Debbie Leon

& Keri Flynn for including us as a table captain and making the event such a success.

Thank you to our guests for joining us at our table and for your continued support of CBC