Financial Education

A COACHING, business management,AND FINANCIAL education Company

LETS FOCUS ON FINANCIAL LITERACY

THE FINANCIAL PLANNING PROCESS

Steps in the financial planning process

HOW TO CREATE A SOLID FINANCIAL FOUNDATION

YOU CAN BUILD YOUR FINANCIAL FOUNDATION! It's time to TRANSITION from a "I/we can't afford that mentality" to a new HOW CAN I GET SOME NEW FINANCIAL KNOWLEDGE TO MAKE THIS POSSIBLE. Here's what a SOLID Financial Foundation looks like... #1. Having a Family Budget to tell your money where to go, instead of wondering where it went. YOU HAVE TO GIVE YOUR MONEY AN ASSIGNMENT...and you do this via a budget; planning in advance what amount of household money will be spent on what things............ .

Learn How To Grow Your Money

You Can Indeed Use Debt to Build Wealth

You must understand the difference between GOOD DEBT (Assets) vs. Bad Debt (Consumer goods that will not go up in value).

Jim Rohn Taught Us PROFITS are Better Than Wages

Tips To Manage Your Personal Finances

1) Make saving and investing a MAJOR part of your life.

2) CUT OUT all of the "Non-essential" expenses and change your spending habits to intentional spending only.

3) SAVE to INVEST.... Become an investor. Buy assets that will go up in value. Keep in mind, wealth happens through the accumulation or ownership of assets.

4) Actively work to lower your taxes via pre-tax contributions using 401k/403b's, SEPS's, etc.

5) Build additional Tax-free Retirement Savings using ROTH IRA and Life Insurance IULS.

6) Focus on credit repair or good credit maintenance.

7) Learn the Wealth Formula and implement it ASAP.

8) Set-up & utilize a Family Operating Budget customers a reason to do business with you.

INSURANCE PROTECTION

Take a look at the NEW type of Life Insurance. Do You Have the new type of Life Insurance w/Living Benefits? If not, contact Dr. Amy's office ASAP at dramy@lawsagency.com for an illustration and quote.

It's not too late to set-up an IUL for your children

Indexed Universal Life (IUL) for Kids is the most flexible savings tool on the market. You can set-up their college savings plan or store away funds for their wedding.

Rickson & Bianca's Story. Now you can Get LIVING BRENEFITS with your Life Insurance Policy

Financial Education

you Need To start Investing Early

Procrastinating is one of the most damaging things you can do when it comes to your retirement savings. But there is still time, and the best time to start planting that seed is today!

Impact of Taxes

The biggest difference between the wealthy and the middle class is the time the wealthy spend thinking of ways to minimize their taxes. Learn how taxes can make an enormous impact on your retirement savings, and how to minimize that impact.

Compound Interest

Compound interest: It may be compound, but it's NOT complex! Learn more about how compound interest can be your best friend if it's working for you, and devastating if it's working against you!

Educational Video's

BEST COLLEGE SAVINGS PLANS FOR CHILDREN

What is the best college savings plan for kids? As tuition costs continue to skyrocket, proper planning for your child's college expenses is becoming more and more important. Learn how a little planning can go a long way toward ensuring that your future college grad isn't buried in student loan debt by the time she starts her career.

IUL - Indexed Universal Life Insurance

Learn how Indexed Universal Life Insurance (IUL) can capture market growth while providing protection from market losses. Life Insurance has changed drastically in the last 25 years! This unique wealth-accumulation vehicle provides policy-holders with the potential to enjoy a happy, healthy, non-taxable retirement.

Disclosure:

The content within this website is for informational and educational purposes only and does not not constituted legal, tax or investment advice. Tax and/or legal advice are not offered by Dr. Amy Hymes, HNA Management Solutions, Inc., Life & Annuity Wealth Systems (LAWS), The Alliance Group or their affiliated companies. Website visitors and video content consumers, please consult your own personal tax professional or legal advisor for further guidance on tax or legal matters regarding your own situation. Please note that insurance products and any related guarantees are backed by the claims paying ability of an insurance company. Insurance policy applications are vetted through an underwriting process set forth by the issuing insurance company. Some applications may not be accepted based upon adverse underwriting results. Some types of permanent insurance may require consistent premium payments, or the policy may risk lapsing. Unpaid policy loans decrease future death benefits paid to beneficiaries. Excessive policy loans may cause the need for future premium payments. If a contract lapses due to excessive policy loans or if a customer chose to surrender their policy, one may be subject to tax payments for policy loans that exceeds the premiums paid. Excessive premium payments may cause the policy to become a modified endowment contract. Policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made.

A COACHING, business management,AND FINANCIAL education Company

Working To Close the Racial Financial Literacy & Wealth Gaps

LETS FOCUS ON FINANCIAL LITERACY

THE FINANCIAL PLANNING PROCESS

HOW TO CREATE A SOLID FINANCIAL FOUNDATION

LIFE INSURANCE YOU DON'T HAVE TO DIE TO USE

The Dudley Family Story

Single Mom Heilyn Hernandez Story

YOU CAN GET MONEY FROM YOUR POLICY IF YOU GET SICK

The Shockley Family

Single Mom LaTasha McCray's Story