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Wealth Creation Quotes

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Wealth Creation Quotes

“A man may fail many times, and then he turns to Cosmic Ordering.”

HappinessSpiritualSuccessSpiritualityOpportunityMoneyFocusSelf HelpPositivityGoalsSelf RealizationFearlessLaw Of AttractionLife ChangingManifestationOpportunitiesSelf MotivationPositive ThoughtsMind PowerMetaphysicalMind Body SpiritNew AgeGoal SettingNew ThoughtWealth CreationSelf GrowthStephen RichardsVisualizationSelf BeliefSynchronicityManifestingCosmic OrderingPositive ThoughtAbundance CreationMillionaire MindsetAuthor Stephen RichardsSelf Limiting BeliefsNew Age Movement
Book:Cosmic Ordering Connection: Change your life within minutes!
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“To fail is nothing, unless you continue to ignore Cosmic Ordering.”

HappinessSpiritualSuccessSpiritualityOpportunityMoneyFocusSelf HelpPositivityGoalsSelf RealizationFearlessLaw Of AttractionLife ChangingManifestationOpportunitiesSelf MotivationPositive ThoughtsMind PowerMetaphysicalMind Body SpiritNew AgeGoal SettingNew ThoughtWealth CreationSelf GrowthStephen RichardsVisualizationSelf BeliefSynchronicityManifestingCosmic OrderingPositive ThoughtAbundance CreationMillionaire MindsetAuthor Stephen RichardsSelf Limiting BeliefsNew Age Movement
Book:Cosmic Ordering Guide
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“There are more triumphs than defeats with Cosmic Ordering.”

HappinessSpiritualSuccessSpiritualityOpportunityMoneyFocusSelf HelpPositivityGoalsSelf RealizationFearlessLaw Of AttractionLife ChangingManifestationOpportunitiesSelf MotivationPositive ThoughtsMind PowerMetaphysicalMind Body SpiritNew AgeGoal SettingNew ThoughtWealth CreationSelf GrowthStephen RichardsVisualizationSelf BeliefSynchronicityManifestingCosmic OrderingPositive ThoughtAbundance CreationMillionaire MindsetAuthor Stephen RichardsSelf Limiting BeliefsNew Age Movement
Book:Cosmic Ordering: You can be successful
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“My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Business Owner Planning Business owners have additional and complex Retirement Planning needs. Counting only on the sale of your business requires tremendous luck and success. If business owners consider the business as simply one asset among many, then they should seriously consider additional assets such as: -Executive Bonus Arrangements -Nonqualified deferred compensation plans -Qualified retirement plans -General investment portfolio Motto for Business Owner Planning As I look back on thirteen years of entrepreneurship, I can see that the best and smartest thing to do is to have a plan with the end in mind and you in mind. The time still goes by and time is expensive. That sentence is really a whole book and you should or will understand sooner than later, hopefully. That would have looked like business succession planning. Proper business succession planning requires sound preparation in order to have a smooth and equitable transition. Financial, tax and legal planning are all necessary for a success.”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Your Personal Economic Model One tool we use when discussing the best course of action to secure your financial future is the Personal Economic Model®. Just as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a visual representation of the way money flows through your hands. On the left, you will notice the Lifetime Capital Potential tank, which illustrates that the amount of money you will control during your lifetime is both large, as well as finite. Most people are shocked to see how much money can flow through their hands in their lifetime. Once earned, your money flows directly to the Tax Filter where the state and federal governments take tax dollars owed from your paycheck. The after tax dollars are then directed to either your Current Lifestyle or your Future Lifestyle. Your management of the Lifestyle Regulator determines where these dollars go. Regulating the cash flow between your current lifestyle desires and your future lifestyle requirements may be the most important financial decision you will ever make. Here’s why. Each and every dollar that is allowed to flow through to your Current Lifestyle is consumed and gone forever. The goal is to accumulate enough money in the Savings and Investment tanks so that when you retire, the dollars in those tanks can be used to pay for your future lifestyle requirements. Retirement planning seems hard for most people to do but it is not rocket science. The best position, position A, would be to have enough in the tanks so that you can live in the future like you live today adjusted for inflation and have your money last at least to your life expectancy. That’s a win, but the icing on the cake would be to accomplish that with little to no impact on your present standard of living, and that is exactly what we strive to help our clients to do. Working with us can help you with the following: Optimize the balance between your Current and Future Lifestyles Identify inefficiencies in your current personal economic model (where are you losing money) Design, implement, and execute a plan to secure your financial future Limit the impact on your Current Lifestyle dollars (maintain your current standard of living)”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.”

TaxesWealth CreationMoney ManagementFinancial PlanningRetirement PlanningInvestment AdviceLife InsuranceAsset AllocationCash Flow Management
Author:Annette Wise
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“Grateful souls focus on the happiness and abundance present in their lives and this in turn attracts more abundance and joy towards them.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“Never allow your mind to wander untamed like a wild animal that exists on the basis of survival of the fittest. Tame your mind with consistent focus on your goals and desires.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“Manifesting is a lot like making a cake. The things needed are supplied by you, the mixing is done by your mind and the baking is done in the oven of the universe.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“It is not enough if you just live life as it comes to you like a floating leaf in a pond. Make use of the powers bestowed in you and soar like an eagle.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“Once we open our eyes to the infinite magic that the universe has in abundance, we are sure to be enthralled by what we see and this miraculous creation gets us closer to our dreams and to the world as a whole.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“Whatever belief we have actually stems from the thankfulness that we feel and this feeling further attracts more happy feelings towards us.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“On the other hand, if the future is not the one you chose then you may have to use your willpower to obtain the future of your liking.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“According to the Law of Attraction, the physical reality that you experience at present is drawn towards the future probability you desired when it attains more power.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“In the spiritual world many forms of the physical universe that are potentially effective can be perceived but with regard to time, we can observe only one form.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“If you take any step, no matter how small it is, towards achieving your dreams then you will surely find the right path and reach the abundance that lies in store for you.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“Limitations are like mirages created by your own mind. When you realise that limitation do not exist, those around you will also feel it and allow you inside their space.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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“When you are drowned by your sorry state, and you feel as if you are carried away from the road that leads to your desires, you should know that you are the one responsible for being led away from the right path.”

MotivationalWealthMoneySelf HelpPositive ThinkingSelf ImprovementWorthyLaw Of AttractionSelf MotivationMind PowerMind Body SpiritNew AgeNew ThoughtWealth CreationSelf EmpowermentStephen RichardsSelf Help Book
Book:Think Your way to Success: Let Your Dreams Run Free
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