Team Financial Services brings together the expertise of professionals from all areas of financial services in order to better assist you in reaching your needs, goals, and objectives. The TEAM approach is designed to solve the fragmented result of your direct involvement with a number of professional advisors.  This approach is not intended to replace the vital role of traditional advisors, but gives you an overall plan & strategy by allowing your advisors and products to work together.


What is Financial Planning?
Financial planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. Remember, financial planning is a process, not a product.
Steps to a Sound Financial Plan
  1. Establish Goals
  2. Gather Data
  3. Analyze & Evaluate Your Financial Status
  4. Develop a Plan
  5. Implement a Plan
  6. Monitor the Plan & Make Necessary Adjustments


The US Financial Crisis



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Core Markets

  • Seniors Seniors
    The aging Baby Boomer generation is more educated, healthier, and wealthier than any generation before it. The majority of today’s Senior Americans are financially ready and able to make their plans a reality.
  • Business Business
    Having the fundamentals of business in place quickly and early is key to your success.  Our goal is to provide you services that will establish the basic structure of business, so that you can get up and running...
  • Professional Professional
     Today financial independence can seem like nothing more than a pipe dream. That is unacceptable. We work with each of our clients to create a coordinated approach to their financial goals to give you a game plan...
  • Charities Charities
    Would your family like to establish a philanthropic legacy? We will work with you to develop your philanthropic goals, define a mission, develop implementation strategies and finally help realize your plan.
 


  • Financial Security
  • The Need
  • Financial Planning
  • What is Money?
  • Money
  • Whats the Point?
  • Conclusion!
  • Have a dream?
  • A Management Tool!
  • Cash Flow Cycle
istock_000005947400xsmall Financial security

Everyone wants it; few have it. Many do not realize that true financial security requires strength in every area of one’s financial affairs. It requires a systematic approach, a strategic plan implemented over time, in order to obtain it. But it can be obtained. With the proper education and discipline, financial stability and security is within anyone’s grasp. That’s why we’re here: to provide you with a solid foundation of valuable financial knowledge and products from which to proceed. The discipline needed to obtain your goal, that’s the part which only you can provide. But it’s within you; you can do it.
The Need

Consumer debt in America is near record levels. Recent studies have shown that the average family spends more money annually than it earns. The buy-now-pay-later mentality is rampant in our society. And far too many people reaching retirement with less than one thousand dollars in the bank, it’s quite obvious that planning for the financial future is the only hope. Team Financial Services is here to supply you with quality information, products, advisors and resources to help you get the job done. Of course, there are many decisions which depend greatly upon your own individual financial circumstances.		 marketing-small

Financial Planning

Is about anything that impacts your financial situation. In other words, financial planning is almost everything you do or plan to do. Unfortunately, many think financial planning is just about money. That’s not all there is – money’s just the start. To understand this, we have to first look at what money is in the first place. My Dad use to tell me as a kid that “money is only as good as the people you spend it on.” and I use to think that was just because we were poor, but he was right money is what you do with it?

What is Money?

 Everyone uses money. We all want it, work for it and think about it. However, the task of defining what money is where it comes from and what its worth belongs to those who dedicate themselves to the discipline of economics. Economics 101: Studies the behavior of individuals, businesses and governments in the pursuit of wealth. While the creation and growth of money seems somewhat intangible, money is the way we get the things we need and want. It is not necessarily useful - after all, you can't eat it, and it won't keep you warm at night, but Money is created by a kind of a perpetual interaction between concrete things, our intangible desire for them, and our abstract faith in what has value: money is valuable because we want it, but we want it only because it can get us a desired product or service in other words, Money is a "medium of exchange" it must always be in motion

Money

Money is anything that’s accepted as a payment for products and services. In the context of our society, its paper money and coin change. In ancient times it’s been everything from bars of gold to bi round rocks. Money changes –but what it represents doesn’t. Typically, money simply represents something that is valuable. If you have a million dollars, then your “paper money” symbolizes that you have claim to a large amount of value. The money represents houses, cars, gadgets, food, etc. you just have to make good on the claim- or “spend” the money. So what does this have to do with financial planning? A lot. Financial planning is any plan that deals with your money – and what your money represents. That means financial planning is transportation planning, food planning, vacation planning, career planning, business planning, entertainment planning – financial planning includes any plan that deals with “stuff” or wealth.
What’s the Point?

Financial planning isn’t just about getting as much money as possible, or getting as much stuff as you can. That’s silly. Financial planning is about creating a material plan for your life that fits what you want to do and who you want to be. It’s that simple. That means that for many people, the traditional “job” won’t work. For some, working night-and-day doesn’t cut it. For others, “chilling out” is wrong. Financial planning isn’t a “one-size fits all” ordeal. If anything, it is the exact opposite. Wealth isn’t just the paper stuff we use at the store, or the “ones and zeros” in our bank account. Money is more; than just dollars and cents. The TV you choose the car you drive, the house you own, the vacation you take, the job you have, the food you eat – these are all part of your financial plan.




Conclusion!

Your financial plan isn’t about getting lots of stuff you don’t want or need – its about creating a lifestyle that’s perfect for you and your family. That might include lots of work, lots of stuff, our plan for or none of the above. That’s the beauty of it… it’s your needs and desires. Financial happiness is one of the most overlooked financial topics in the entire financial planning universe. We often focus on mortgages, retirement, credit cards, debt, interest, career… but we miss the most important focus our money should have; allowing us to achieve our dreams. This might sound a bit sappy but its essential to understand: not all financial paths lead to happiness. If you want to find happiness in your financial plan, you might have to make some “odd” decisions, and choose a little differently than your peers do. But it’ll be worth it.
Have a dream? Achieve it… Period.

We all hit financial rough times, it is important that we refuse to acknowledge defeat. Refuse to accept the “fate” of being poor. Refuse that “fate” has anything to do with our life, we are here to be self made, life doesn’t just happen we make it happen, we must learn to manage money before it manages us. It is tremendously important for are marriages, families, and businesses that we manage are money and remember that money is a tool; the old saying applies “money is a terrible master but a great servant.” Success can be found almost anywhere, regardless of situation. It requires the ability to overcome one’s current surroundings and environment. No one said success would be easy. If you want somethin’, go get it. Period. Unfortunately, we often get so caught up in the day-to-day survival, we forget to focus on what really counts… achieving our financial goals. So it’s all about the money right? Happiness is getting the most amount of money? Absolutely not. Money is just the vehicle — we have to drive to get there.





Money is a Management Tool!

Wise money management is an important ingredient in proper personal welfare. Learning to live within our means should be a continuing process. We need to work constantly toward keeping ourselves free of financial difficulties. It is a happy day financially when time and interest are working for you and not against you. A true plan doesn’t allow failure to be an option. “don’t ever let somebody tell you you cant do something. You got a dream? You gotta protect it. If people cant do somethin’ themselves, they wanna tell you you cant do it. If you want somethin’, go get it. Period.” Pursuit of Happiness’ First, take the time to be clear about your goals and objectives so that the priorities you set are moving you in the direction of something that is of real value to you. Resolve today to set clear priorities in every area of your life.
The Cash Flow Cycle

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