The first step is to control your spending:
Establish Net Income
Calculate Monthly Expense
Create & Stick to Budget
Maintain strong credit ratings:
Limit Credit Cards to 2
Pay off balances in 30 Days
Track balances & Interest Rates
Understand proper coverage & what determines rates
Garaging Address
Auto Driving Records
Claims History Home
Available Discounts
The proper protection in case the unexpected occurs:
Learn the types of Coverage
Pay off a mortgage in case of death
Build Tax-Free Legacy
Own Control Protect Assets
Learn the proper steps to take today for the future
Pay Yourself First
Understand Pension & SS System
Learn to build assets for life
Establish secure methods to build wealth
After building wealth, be sure to keep it by:
Establishing a Will
Financial POA
Secure Health Proxy
Learn to Avoid Probate
omniversefinancial@horacemann.com | 1-508-835-3738