Estate Planning Solutions

the email skills for this. You send me people that have a job and I set them up with SELF OWNED BENEFITS , not the RENTED BENEFITS they have at work. (Those can be taken when they retire & or the company goes BELLY UP; look at Detroit; GM; everyone is old and out in the cold). I set each person up with at least the basics in their ownership only:


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RETIREMENT INCOME,
DISABILITY,
& LIFE INSURANCE all in one package for around $300/mo; (that way their family is at least covered for ALL the BASICS and they CAN NEVER BE STRIPPED AWAY as they age.)

15 % of Americans are out of work. We can pay each and every one of them for just sending me their friends who are still working and you'll be saving them from a giant misnomer.

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BEGINNINGS:
Stuart long has been in the Financial Services arena since 1999. After getting his Business Degree from Ohio State’s Fisher College of Business, he entered the Mortgage Industry. Later, adding the Financial Planning pieces one at a time while working for Met Life, then Invest Financial, a broker dealer and Chase Home Loan Direct. His years of experience and knowledge from the past taught him the banking requirements of a person's income statement, balance sheet and how active income and passive income affect them. After doing 1000's of Net worth assessments to pre-qualify loan applicants and filling out the 1003 loan app for these applicants, he started to notice trends. Some people had many assets, and some had none at all. It seemed that the loan applicants with assets, had many assets, usually in the form of rental properties, that were spinning off extra passive income to them. These loan applicants qualified quickly and usually had perfect credit from all the extra income that allowed them to pay all their bills. On the other hand, other applicants had NINJA; No Income, No Jobs and No Assets, and would usually get turned down unless they could get on a government program which helped people that couldn't actually afford such an asset get one. He began teaching Richard Kiyosaki’s ‘Rich Dad, Poor Dad’ course and hosting live ‘Cashflow Gamenights’ to allow regular folks to experience ‘paying off all their debts’ and ‘determining good and bad investments’ and taught many to ‘understand and handle an Income Statement and Balance Sheet’.

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REALIZATIONS:
Many people had NO SAVINGS. They had NO PENSION PLAN to fall back on. They had NO LIFE INSURANCE to protect their Estate. They had NO TRUST. All their money was going to the bank loan that should have filled out their Financial Plan for all their needs and benefits of now and the future. After a few years in the industry, it became clear that the same people would refinance their home over and over and over. Starting the 30 year payback cycle all over with front-loaded interest that always goes to the bank until they are mostly paid off in the first 20 years of the 30 year amortization, he realized that with all the advertising on the radio making refinancing so easy, the vast overspending we as a country perform to raise our indebtedness to credit cards, that no one was getting out, and that this generation was literally enslaved via debt. With the belief in Freedom and Entrepreneurialism seen in all his male family members, he set out to set people free.

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2 CHOICES:
With the Wisdom of Financial Planning's strategies burning in his mind, Stuart knew he either had to help investors CLEAR more money by increasing income, reducing their expenses or BOTH simultaneously. It is always easier to reduce expenses down to a point. With that hard realization that few were saving anything, most were living beyond their means and spending into oblivion, there were few people seeking to fully fund a financial plan, much less overfund their plan to leave more to future generations and build a legacy. Stuart didn't believe this was the future he wanted to be apart of. He set out to do something about it. If people wouldn't save for themselves because all their money was going to their monthly mortgage payment, it only made sense to aid them in strategically paying it down with the available leverage of the 30 day float of a Home Equity Loan and or Credit Cards with unused balances that offered a 30 day float and money back. A company name 'U1st Financial' rose to this challenge with flying colors and began helping people pay off 30 year mortgages within 7 years. Stuart spread awareness of this company and was setting clients on the path to Financial Freedom, until the 'Credit Crunch' occurred and lending dried up; defeating the key element used to leverage one's Debt Elimination strategy. Some were closer to debt free, but many didn't make it.

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ESTATE PLANNING & TRUST REVIEWS:
Moving back into Financial & Estate Planning, Stuart began to work more with grandparents from age 70-90, to review their Living Trusts, verify all assets were 'funded into the trust', and assess the '5 Areas of Concerns' for Seniors on the road doing private house calls for convenience. He found himself being the first person to discuss many private family matters that only the wisdom of an older generation seem to be prepared to address. Some of these items were: 'Will I outlive my Money?" "Will the heirs of my Estate lose 33% to 50% to Estate Taxes because of a lack of Estate Planning?" "When the 1st spouse dies, will the 2nd spouse lose the deceased person's Pension and Social Security check that they were accustomed to?" Fixing these common issues in every home, updating outdated beneficiaries on policies and updating Trusts with the Attorney of record became par for the course. These visits could be up to 2 hours away one way, take 2-4 hours during the day to assess, and be the same after returning the next day to fix the issues that arose. On average, he would drive 5000 miles a week, change his oil every Friday, and spend about $50,000 in travel & office expenses per year, seeing about 200 families.

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THE DAY OF THE INTERNET:
Enter: 'Virtual Financial Group'. Now with the ability to source clients from all over the USA, meet with them virtually over a computer and phone call, the amount of driving has decreased, the amount of lives that can be touched is on the increase, and the ability to train you people without a career in their major is abundant. If you anyone that doesn't have at least these 'ABC's and 123's', please, be a blessing to them and send them over. We'd like to pay you for every referral after we get you into our system.

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ABC's and 123's:
Every person should at bare minimum have DISABILITY PROTECTION if their body ceases to allow them to perform their job and affects their living. They should be building a TAX FREE INCOME that they can start anytime, but usually that ends up starting at RETIREMENT. They should have a 'Pot of Money' or a 'Money Tree' that comes to their family if they die prematurely and unexpectedly so that 'Money Tree' can be planted and the 'Apples', or interest off the investment, can send monthly checks to the wife or spouse that is left alone and behind with the bills and the children and the rest of their lives without the scenario they planned on. That 'Pot of Money' or 'Money Tree' is a LIFE INSURANCE policy that you own. Most people don't know they DON'T OWN THEIR BENEFITS AT WORK.

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STUART SHARES HIS PERSPECTIVE WITH YOU:
What I see in general, after 15 years in the industry, is not just that of above, but the following: 1) People don't have a plan when they get a check. I would suggest you get 5 checking accounts, and divide each check up into TOSIS, Tithe 10%, Offerings 10%, Savings 10%, Investing 20% and Spending 50%. Anytime you want to do something, you can look at that account and if there is CASH in it, you can choose to do it, but if it's empty you CANNOT do that activity. 2) Never use Credit Cards, unless you can pay them off tomorrow and are just 'building your credit'. If you spend on a credit card, pay it off NO LATER than 10 days after you spend on it. 3) Most people have never gone in for a Financial Plan. Although most planners have such a heart to help society and do not charge for the 1st hour, you should be willing to pay whatever it costs to get a plan laid out for your life. Stop playing chess with a trash bag over your head. You aren't making the progress you could be friends. 4) NEVER REFINANCE unless you are consolidating debt, have a plan to pay off the new mortgage SOONER than the one your are getting out of and ARE COMMITTED and ACCOUNTABLE to a group that will hold you to it and that you will respect and honor. 5) Read my upcoming book, 'Single Parent Blueprint to a Billion Dollar Dynasty Trust' and change the reality of your family for 1000 years to come!