What is Your Money Mode?

What is Your Money Mode?

You work hard for your money. You have plans and dreams for now and for your future. Sometimes we are so busy generating revenue that we do not think about how we can preserve it or use it to ensure we have a solid financial future. Let’s look at your money mode.  Continue reading “What is Your Money Mode?”

The Power of 10

With so much conversation about money and ideas on what and where to put it, do you ever just want to ask the question, can you HELP me?

Then we start talking about it to friends and now as a group, we are all the expert.  Sometimes with everyone acting as the expert sharing what they thought did or didn’t work, has now become more like the old game we played as kids called “Telephone.”  The words passed from ear-to-ear change and ultimately the information is incorrect. We may hear about someone’s unfortunate outcome with an annuity. When the person was actually put into a plan that wasn’t correct for them in the first place. They only know the pain of their particular experience. After hearing all of this you now become mentally paralyzed.  In reality, there are some great annuities that will pay you for the rest of your life and can be transferred to a beneficiary:  Win-Win.

Example: An income of $100,000

How about that saying of putting 10 percent of your money away annually for retirement?  Let’s put away $833 a month for the next ten years.  It almost seems unattainable. First reaction, “Oh my gosh, are you kidding me?”

Now if I say to you, let’s create a plan for ten years based on your income of $100,000 and fund it with $10,000 annually with guarantees that you will not only have growth capped, meaning that there will be a ceiling and a floor so that you never lose principle. Growth is compound and guaranteed; one that will offer you a larger amount to pull from in case of an emergency, will reduce future taxes and pay you a tax-free income for life. WHAT WOULD YOU SAY?

We need multiple streams of income going forward. Are you ready?


Wealth or Finances?

I recently asked a woman about her wealth accumulation plans. She was completely unenrolled in the topic. When I asked her why she replied,” I am not wealthy nor will I ever be!”  I asked her “ How do you feel about your finances?” She completely opened up.

Does the word WEALTH frighten you? If so why?


I see WEALTH as an abundance in every area of life. We do gravitate to assume it only means the state of being rich; material prosperity.

Houses of wealth can be be found in your Health,Financial, Family or Love areas as an example.


I heard something today and it was mind blowing by Van Mueller. Did you know that our country has 323 million people in it and 162 million of them are on benefits, We have 50 million retirees and we had more workers in the year 2000 then there are right now! We are over $19.4 Trillion in debt and it will take EIGHT GENERATIONS to fix this.


Why do people get paid on Friday and by Monday morning they are BROKE? What is that thinking or lack of thinking?


If you saved one million dollars for your retirement today at 5% growth would you feel set for life?

Let’s look .

After taxes (apx 30%) You would have about $35,000 in annual income. Just about $3,000 in monthly income! If you were accustomed to making $8,000 monthly could you actually live on less than half of that? Let me answer for you. NO.
Back to the woman I started speaking about. She got it! Wealth is positive, Finance is positive. She needed  a conversation that no one would have with her. You have untapped options and I can help. Why not have financial quality in your life. It’s not about putting your money at RISK, It’s about making sure it’s not volatile!

How to Avoid an Increase in your Unemployment Insurance Tax Rate

How to Avoid an Increase in your Unemployment Insurance Tax Rate

1657641The UI tax was established as part of a national program administered by the U.S. Department of Labor under the Social Security Act which provides temporary payments to individuals who are unemployed through no fault of their own.

This tax is paid by the employer and is a percentage of income up to the maximum wage limit which is determined by each state. In California, the rate is a maximum of 6.2% on the first $7,000 of wages whereas in New York, the maximum is 9.5% up to the wage limit of $10,700. Continue reading “How to Avoid an Increase in your Unemployment Insurance Tax Rate”

Tips to Show Your Bookkeeper You Love Them Part 2

Tips to Show Your Bookkeeper You Love Them Part 2

Lu Casillas article 3 graphic

In the last post I started to share tips on how to show your bookkeeper you love them. If you missed part one, read it by clicking here. More tips shared by Melanie Power, Director – Power Finance and Head of Bookkeeping at Xero are: Continue reading “Tips to Show Your Bookkeeper You Love Them Part 2”

Tips to Show Your Bookkeeper You Love Them Part 1

Tips to Show Your Bookkeeper You Love Them Part 1

office-620822_1280I recently read as blog post by Melanie Power who is the Director – Power Finance and Head of Bookkeeping at the online bookkeeping software company, Xero. In her article, she discussed 6 tips on how to work well with your bookkeeper and let them know you appreciate them. Here is what she had to say: Continue reading “Tips to Show Your Bookkeeper You Love Them Part 1”

The Money Tree

The Money Tree

Lu Casillas Article 4 Image money treeHypothetically, what if you could have your own money tree? What dreams and desires would it feed? Could it give you more freedom? Perhaps more things. When I asked ten women this question, it was interesting to hear many say they wanted more THINGS, like purses, cars and clothing. Only a small percentage was thinking long-term.

Long-term thinking is crucial today. Does that sound boring? What’s not being addressed is lowering your future taxes and limiting volatility, making sure that if you become ill, you will have the funds to protect your family and/or received treatments deserved without losing your hard-earned money. Continue reading “The Money Tree”