Wishing you and your family the holiday season’s joys and wonders. Enjoy the holiday. I hope you also enjoy the following story…it may not be a ‘real’ holiday story, but I bet it will make you think.

The story is attributed to George Carlin, but he always denied having written it. Nonetheless, it really speaks to me and hopefully to you as well:

The Paradox of our Time

The paradox of our time in history is that we have taller buildings, but shorter tempers; wider freeways, but narrower viewpoints. We spend more, but have less; we buy more, but enjoy less. We have bigger houses and smaller families; more conveniences, but less time. We have more degrees, but less sense; more knowledge, but less judgment; more experts, yet more problems; more medicine, but less wellness.

We drink too much, smoke too much, spend too recklessly, laugh too little, drive too fast, get too angry, stay up too late, get up too tired, read too little, watch TV too much, and pray too seldom. We have multiplied our possessions, but reduced our values. We talk too much, love too seldom, and hate too often.

We’ve learned how to make a living, but not a life. We’ve added years to life, not life to years.

We’ve been all the way to the moon and back, but have trouble crossing the street to meet a new neighbor. We conquered outer space, but not inner space. We’ve done larger things, but not better things. We’ve cleaned up the air, but polluted the soul. We’ve conquered the atom, but not our prejudice.

Remember, spend some time with your loved ones, because they are not going to be around forever.

Remember, say a kind word to someone who looks up to you in awe, because that little person soon will grow up and leave your side.

Remember to give a warm hug to the one next to you, because that is the only treasure you can give with your heart and it doesn’t cost a cent.

Remember to say, “I love you” to your partner and your loved ones; but most of all, mean it. A kiss and an embrace will mend hurt when it comes from deep inside of you.

Remember to hold hands and cherish the moment for someday that person will not be there again. Give time to love, give time to speak, and give time to share the precious thoughts in your mind.

Remember – Life is not measured by the number of breaths we take, but by the moments that take our breath away.

What more need be said?

The last couple of years have been tough…no doubt about that! But if you happen to have an ‘extra’ $500.00, how should you invest it?

Since Christmas is just around the corner, why not give yourself an early Christmas present. Something that could pay you back for the rest of your life. What could that be? A “Real Time Financial Plan”. (Actually it’s only $495.00 so you have a few bucks left over!)

Just what the heck is a “Real Time Financial Plan” and what can it do for you? Allow me to explain. Do you know if you have the right amount of homeowners insurance? How about the right deductible on your auto insurance? Are you in the right type of health insurance plan at work? Should you refinance your mortgage? Is your credit card debt too high? Should you put more money into your 401(k) plan? How should you invest it?

A “Real Time Financial Plan” can answer all those questions and more. I call this a “Real Time Financial Plan” because it is all done at one time. We block out about three hours and go over everything we can…we don’t generate reports, you take notes. You get straight answers to your questions. Normally we find things that are not set up properly that are actually costing you more than the amount you pay for the plan. No sales pitches, no products…just straight advice.

Maybe the biggest benefit of the process is that you walk away with confidence that you can control your finances.

What more can you ask for Christmas….knowledge of the how and why to do certain things and confidence that someone with training and experience was there to help you guide you through the maze.

Invest in yourself….it will pay big dividends!

Hourly, On Demand Advice…Affordable Help to Make Sound Financial Decisions!

November 4, 2009

Too many people think sound financial advice is only available to the ‘wealthy’.

Hourly, On Demand Advice….What does that mean?

It means you can get financial advice with no strings. You don’t have to have a certain amount of money. You don’t have to sign a long term contract. You can be just starting out in life, or you can be retired. For whatever reason, you have questions…we have answers. The best part is you only pay for whatever YOU need. Maybe its once, maybe its once a year, a few times a year…its up to you.

Its a pretty simple process really. You call in and tell us what you want to discuss. We will tell you how much time it will take and how much it will cost…in writing…before you even come in. Obviously, the more complicated the issue the more time it will take…and the more it will cost.

Most basic questions can be handled in a 30 minute consultation. That means you can get that nagging question answered for $92.50. That’s our minimum by the way…unless we run a special.

What kind of questions do we answer?

When should I sign up for Social Security?

How much money should I be putting in my 401(k)?

Should I consider a high deductible health policy with a health savings account?

Is it time to refinance my house?

Do I have too much debt?

I’m getting a divorce, now what?

How much life insurance do I REALLY need?

With what happened in the market, can I still retire?

These are just examples, but you get the picture. Questions you would like answered with solid, unbiased, no sales pitch advice. Answered by someone who is trained to answer financial questions.
We want to help you make the most of the one life you have to live. Call today and see how easy it can be to get real financial advice! 321-752-5656×12 Call right now, night or day, you can always leave a message and we will get back to you!

Ever wondered about your “Financial Health”?
Our simple Financial Checkup can get you started!

The past couple of years have been tough. Where are you financially? Is your retirement on track? Can I send my kids to college? Am I saving enough? What should I do! A financial checkup from a Certified Financial Planner can help, and with my limited time special at half price…..NOW IS THE TIME TO ACT!

The $49.95 Financial Checkup!!

This checkup is a great starting point to let you know what you need to do to improve your financial health. One-on-one personal advice (without a sales pitch) to help you make sound decisions on your financial plans. Learn the strengths and weaknesses of your finances and receive advice on what to do next.

Our Price: $49.95
List Price: $99.95

My goal is to make unbiased financial advice available to everyone! I serve people at all income levels, from all walks of life. Clients have the ability to work with me on either a one time, as needed basis or on an ongoing basis. I have special packages for most common financial topics that range from $100-$500. Ask about packages for 401(k) investments, retirement plans, portfolio design, social security, debt reduction and budgets, mortgages and more! Pricing depends on the level of complexity of your situation. You always get your price in writing before we start.

I welcome clients who simply need a one time consultation or a second opinion, as well as those who need comprehensive financial planning and possible asset management services.

Call me at 321-752-5656 x12 or email me at wblanchard@mpg.bz TODAY!

Please pass this email along to anyone that could benefit from my services!

Sincerely,

Wayne M. Blanchard, CFP
Money Professionals
“We help our clients make the most of the only life they have.”

Money Professionals is a marketing name only. Financial planning advice and investment advisory services are provided by Money Professionals Group, a Registered Investment Advisory firm by the State of Florida. Money Professionals Group does not solicit business outside the state of Florida.

You have heard it all before…“one investor at a time”…“maximize your return”…“identify your risk tolerance”…“achieve your life goals”…but isn’t your reality as an investor truly in contradiction to what your financial services vendor peddles?

Doesn’t it seem as though they all sound the same? It makes no difference whether your financial services vendor is a do-it-yourself online brokerage firm, a financial planner or a massive banking or brokerage institution. The fact is many in the financial services industry apply industry accepted “best practices” which is why they all sound the same.

What’s wrong with the “best practices”…after all, aren’t they the “best?” The reality is that while the generally accepted “best practices” work great for the financial advisor and their firm, these practices often fail the investor.

Recognizing this, I set out to objectively examine the very premises of the industry’s “best practices” and discovered numerous contradictions. For example, why is it a “best practice” to identify your tolerance for investment risk and proceed to position you in a portfolio to EXPERIENCE THAT RISK? Isn’t risk something you avoid if possible? Why does the industry consistently identify how much MORE you can save, but evade asking you if you would like to find a way to REDUCE your savings? Are the industry’s best practices serving clients…or the financial advisor and their firm?

Having identified these as well as other contradictions, I put myself in our clients’ shoes and redefined the premises of financial services. First, ideally what should a client’s expectation be for the value their advisor provides? At the most basic level, I am convinced investors want advice that enables them to live the one life they have, the best way they can. With this idea as a foundation, my firm needed completely new premises as our current best practices are squarely in contradiction with this.

The premises of this completely new discipline are:

1. Providing confidence in achieving the life goals each client uniquely values
2. Avoiding needless sacrifice to their lifestyle
3. Avoiding unnecessary investment risk

This revolutionary new financial advising discipline is called Wealthcare.

Few financial advisors have had the courage to challenge the industry’s conventional wisdom and adopt the Wealthcare Process, despite the obvious contradictions. However, my mission is to serve my clients, to deliver to clients what they should rationally expect from a financial advisor relationship and recognize that the industry at large may not have yet invented everything that can be invented.

I do not know if you have been exposed to one of the few advisors that have adopted the Wealthcare process. But, I know one thing. If you want to make the most of the one life you have, if you want to avoid unnecessary investment risk, spend more or save less…or if all you are looking for is confidence and comfort that the goals you personally value are not left completely to chance, then you need Wealthcare.

The choice is yours. You can follow the path of the millions of disappointed investors or you can invest thirty minutes to learn about this discipline designed around making the most of the only life you have.

So, regardless of whether you currently work with me or you have become frustrated with your current advisor and are seeking someone that can finally deliver the service you expect, isn’t it worth a thirty minute investment of your time to at least learn more about how this new discipline can make a difference in your life?

Give me a call at 321-752-5656×12 or send me an email at wblanchard@mpg.bz