Cash Flow
Cash flow refers to having funds available when an uncontrollable/controllable event may trigger the need. Throughout life, you may encounter an opportunity requiring cash on hand. Taking on more debt to provide the necessary funds is not an ideal solution.
Liquidity/access to funds
Is an important part of a financial security program. During your lifetime, many investment opportunities and financial emergencies will arise. Your ability to cope with these emergencies or take advantage of an opportunity will depend on your access to funds. Of course, liquidity is not something that can be accomplished overnight. It must be done systematically over time.
Life events requiring liquidity​
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Job interruption/loss or career change
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Education funding
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Home purchase
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Emergency fund (three to preferably six months of income)
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Recreation property
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Debt elimination or protection
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Maximization of assets
What are your planning needs?
​Uncontrollable Events
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360 degree planning
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Job loss/interruption
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Emergency Fund
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Unplanned repairs/expenses
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Career change
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High debt
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Premature death
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Illness
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Disability
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Family emergencies
Uncontrollable Events
Controllable Events
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360-degree planning
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Goals based investing
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Major purchase
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Home Purchase
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Vacation
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Debt Management/elimination
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Long-term savings
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Retirement
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Business protection
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Business benefits (control turnover)
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Tax planning
Controllable Events
Opportunities
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360 degree planning
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Estate planning
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Advance investment strategies/opportunities
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Business expansion
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Start a business
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Business legacy
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Family legacy
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Charity
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Tax planning
