Dyer Financial Consulting Ltd.

CHANGE YOUR QUALITY OF LIFE: A NEW ERA OF OPPORTUNITY, A HISTORY OF SUCCESS, A BUSINESS OF YOUR OWN Learn the financial concepts that are crucial for anyone who dreams of achieving financial independence. Join one of the finest financial services companies in North America. message for more details.

In order to set the stage for your success, you’ll have to eliminate any bad debt you may have head-on. You may be asking yourself, what is bad debt? Let me explain. Good debt is incurred when you purchase an asset that produces cash flow or is an investment that will pay off down the road. Bad debt is incurred when you make a purchase that does the opposite and makes you less wealthy as time goes on.... Our goal is financial education we help protect your family and your investments every day even if it's not with a product my company offers. Our clients come first.

Tip #2 on building a financial house. Setting the framework of planning take a look at where you are now and plan where you want to be. -Financial Needs Analysis -... A needs analysis is carried out by a qualified financial planner to ascertain the current state of your finances and your future financial needs. It also ensures that you are not sold any particular financial product without an overall assessment of your finances and existing financial portfolio. The following factors have to be taken into account when you consult a financial planner and these are incorporated into your financial needs analysis: Your income and expenses or your budget. Your current assets and liabilities - this would include assets such as property and liabilities such as your debts. A list of all the current financial products you own such as life insurance policies, funeral policies and investments. Your current and future financial needs depending on your life stage. For example, your marital status and whether you have dependents or not. Your planner or financial adviser will also take into account any employment benefits you enjoy, such as group life assurance and medical benefits. Once you know where you are at you can plan for the future: Saving for your children’s education How much money you need to save for retirement so that you don’t have to dramatically change your lifestyle when you stop working. Your ability to earn an income is your greatest asset. You need to have income protection assurance so that you are financially covered. If you would like a FREE financial needs analyst send us a message we will be happy to help. Our goal is financial education we help protect your family and your investments every day even if it's not with a product my company offers. Our clients come first.

TIP #1 on building a financial house -1- Build a solid foundation start by protecting your income. Strengthen the foundation first: Insurance protecting your ...income. It is a fundamental principle that insurance insures against risk and that risks imply the possibility of loss. If the loss were not inevitable, then insurance would be without purpose and completely impractical. When it comes to life insurance, a company is insuring you against the inevitability that is, the end of life, death. The second principle is life insurance, which insures the economical, and is free from sentiment. When you buy life insurance you are insured against the future value or income you bring prior to you earning it. Normally, the insurance coverage amount is what you have earned to date in the way of an estate and the amount you hope to earn throughout your lifetime. Two Types of Insurance There are two types of major categorical insurances: term and whole life. Underneath the umbrella, there are subcategories to each. If you would like to know what insurance is best for you or would like a no obligation review of your current policy drop us a line. Our goal is financial education we help protect your family and your investments every day even if it's not with a product my company offers. Our clients come first.

Are you looking for an opportunity to change your current employment situation? Or maybe just an extra paycheck Well we have that opportunity available for you. Send us a message lets talk