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Our Way - Everyday Cash Flow
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Cash flow is the timing of your income and expenses.
When we look at cash flow we see money in motion. As financial experts we analyze where the money is coming from and advise you on where it's most needed to meet your financial goals.
At Money Counts we know that everyday cash flow can be adjusted to build the maximum flexibility into your payment schedule. Our consultants walk you through an analysis of where your money is currently being spent and how spending aligns with the timing of income. We look at your short and long term goals and help you prioritize your spending plan to maximize wealth building results. We will also show you how to use the assets you have accumulated as resources to create additional value.
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Money
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A money leak is any money spent that is a value-less expenditure. We identify and help stop money leaks to improve cash flow.
For instance, we often find leaks in overlapping insurance policies that increase premiums but not coverage. Another significant area of leaking money is automatic inflation adjustments for property value that may have overvalued your property and increased your premium.
We can help identify where you can save money by analyzing your coverage to determine what's needed and what's not. Our consultants will train, explain, and offer options that many financial advisors may not be trained to offer.
See Looking at Both Sides of Cash Flow for more information.
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Their Way - Disposable Income
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Disposable income is the amount of money left over after food, rent, clothes etc. This definition focuses on the remainder of your income and views this "remainder" as static – implying that you have little control or opportunity to manage the non-disposable expenses.
To meet tomorrow's needs many of our clients have been told that they have to do without many of the things that they want or need today in order to save for the future. Just gathering the information can leave you stressed and frustrated. What will a financial advisor think about you? Are you hopeless? Stupid? Frivolous?
Having enough cash flow to meet today's financial commitments while putting money away for future needs like college or retirement can be daunting, even in the best of circumstances.
But maybe there is more control over non-disposable expenses than is readily apparent.
Learn more about the Money Counts Cash Flow Management Philosophy.
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