Catherine Flaherty

"Everyone defines financial freedom in terms of their own goals. For most people, it means having the financial cushion (savings, investments, and cash) to afford a certain lifestyle—plus a nest egg for retirement or the freedom to pursue any career without the need to earn a certain salary."

If you put your money to work, save and invest wisely, and most importantly, seek advice and guidance from a professional, your journey to financial freedom may not be that long.

Reach out to me to begin the process and start achieving your goals!

Without credit or if you have poor credit, it will be very difficult to get a loan, a credit card, and even and apartment.

Credit building tools, if handled responsibly, could put you in a much better position when it comes to your credit score and being able to achieve your financial goals.

If you have any questions or need help getting started, send me a message!

Diversification: the process of allocating money in a way that reduces the exposure to any one particular asset or risk. In other words, don't put all your eggs in one basket!

Allocating your money to different assets, or spreading out your wealth is one of the best ways to reduce the risk you are taking on. Building up your financial security by diversifying your portfolio will allow you to be more stable in the event of unplanned circumstances.

Reach out to me and let's get started!

Adjusting your spending habits based on needs and wants is important so you are not struggling to survive each month. Allocating your money and sticking to your plan will ensure that you are not falling behind.

Knowing how much money is coming in and out of your pockets each month will allow you to understand where you are succeeding, and where you are falling behind. Understanding your true financial position is vital to financial freedom and security and can help achieve financial goals with less stress each month.

It costs you nothing to ask for advice, but it could cost you a great deal when you don't.

Understanding how money works and how you should use it is a vital step in any personal financial plan. Don't fall behind in your finances because you didn't take the time to learn.

Reach out to me and lets get on track!

It's crazy that protecting your car is mandatory, but protecting your spouse and children is optional.

Life insurance clears the financial path for loved ones to carry on after you die. Don't think of life insurance as something that is taking away from your wealth because it can add to it AND protect your family.

Protect your family, get insured, and build a secure financial future! Send me a message and let's get started! [email protected]

Make sure you and your assets are protected against inflation and are able to manage the volatility that may come along with it. Don't wait!

Now more than ever, it is time to take action with your money.

Inflation has hit 8.6% year over year, the highest it has been since 1981, interest rates are rising, and the stock market is going crazy.
Not to mention, cryptocurrency has lost $2 trillion since last November.

Over the last 12-months, grocery prices have increased nearly 12% and gas prices have increase over 100%.

Are you taking the steps to make sure you are protected from all this financial uncertainty?

Don't let your business be another negative statistic!

30% of small businesses fail within the first year and 70% don't make it to 10 years. Poor financial planning, the inability to produce capital, and a faulty support system are just a few of the reasons a business may decline.

If you need help fixing or preventing these things in your business, be proactive and send me a message! I'm happy to help! [email protected]

Regardless of your current situation, there are always financial basics that you should be following to ensure your stability.

Don't take the small stuff for granted. It could be the difference between struggle and success.

Getting life insurance through your employer is a great benefit, but it may not be enough to protect your family.

If it isn’t enough to cover you mortgage, childcare, medical expenses and ongoing bills, you probably need an individual policy. When you purchase life insurance you are minimizing the risk that your family will be left in poverty if you die and can no longer provide for them.

If you are thinking about getting yourself more life insurance, or want to start the process of getting your first policy, reach out to me and lets get started!

What are your financial goals?

Looking to the future and deciding how you are going to reach your financial goals can be daunting and stressful. Starting small and breaking down what you would like to achieve in increments could be a solid first step in tackling this task.

Reach out to me and let's get started with identifying your goals!

Estate planning is the process of coming up with a plan for what happens to your assets after you die and making it legally valid.

It will help provide for your family, help transfer your assets without going through the court system, reduce the taxes on your estate, and plans for the unfortunate reality that you may become unable to make decisions in the event you become disabled.

Don't let your hard earned assets become unreachable to the ones you love. Plan NOW so your family can be stress free later.

You can't solve a problem if you don't start learning about solutions.

At Life Solutions Group my team and I help you understand where you currently are and help get you to where you want to be. Educating our clients is a top priority BEFORE any solutions are offered to ensure that everything if right for YOU.

Reach out to me and let's have a conversation about any financial problems you may be facing.

No one looks back after a disaster and says “I was too prepared”...

Emergency funds create a financial safety net that aids in getting you back on your feet incase of an unfortunate circumstance. This type of financial account helps you prevent having to rely on credit cards and high-interest loans when you become financially unstable. Starting this fund NOW is the best way to ensure safety in the FUTURE.

Are you able to cut back $27 a day in spending?

Cutting back on small day-to-day expenses like coffee, shopping, take-out, etc. will save you a lot of money down the line. When you have that extra savings, you're able to invest, save toward your financial goals, and have more financial security in your life.

Take a look at where you are spending money and where you can cut back so that you can make the decision to change your spending habits.

If you need any help getting started, please let me know!

Retirement is expensive. Planning for it helps.

Taking advantage of retirement planning options could lead you to living a more financially comfortable retirement. No one should sit at home after his or her long years of working and worry about not having enough money. Take advantage of what you can take advantage of and reach your goals!

If you have any questions about your retirement, please feel free to reach out to me! [email protected]

According to Charles Schwab’s 2021 Modern Wealth Survey, those with a financial plan are more likely than those without one to pay their bills on time and save each month.

While there are many ways to develop a secure financial future, planning for it is the most important. These 7 components are essential in protecting your future and feeling secure in your finances.

Most importantly, ASK FOR HELP!

Knowing where your money is going and why it is going there is essential in understanding your financial stability.

If you feel as though you do not understand your finances, regardless of what stage of life you are in, speak to a professional and learn! Reach out to me and let's get started!

Lacking financial literacy and not knowing how to manage one’s personal finances carried a high cost in 2020. How much do you think you lost by not knowing where your money was going?

The best thing you can do for yourself in terms of your finances is learn how to manage them, know what works for you, and set up a plan to maximize on all opportunities available. Most importantly, ASK FOR HELP!

The 50/30/20 approach is a good starting point for any budget.

Adjusting your spending habits based on needs and wants is important so you are not struggling to survive each month. Allocating your money and sticking to your plan will ensure that you are not falling behind.

Knowing how much money is coming in and out of your pockets each month will allow you to understand where you are succeeding, and where you are falling behind. Understanding your true financial position is vital to financial freedom and security and can help achieve financial goals with less stress each month.

Shifting your mindset and resetting your priorities could put you in a much better financial position.

Understanding where your money/ time is going vs. where it could be going will increase your ability to separate your needs from your wants. Set yourself up for success in finance as well as in life!

DON'T WAIT

Life insurance helps you provide financial security for your family. When you purchase life insurance you are minimizing the risk that your family will be left in poverty if you die and can no longer provide for them.

Life insurance is a VITAL part of any personal financial plan. It is important to know what life insurance option is right for you and your needs so that you can be protected for the future.

Experts estimate that the average American will need at least 80% of their income during retirement. However, this answer varies from person to person.

The amount you will need during retirement depends entirely on the amount of income you are currently bringing in and the lifestyle you hope to lead in your retirement years.

Most people don't save enough for retirement and then begin to panic when they realize that time of their life is right around the corner. Don't let yourself fall victim to this. Be proactive and begin NOW!

If you have any questions on how to get started don't hesitate to reach out to me!

Every stage of life comes with new challenges and new goals. Make sure you are ready for everything that comes your way!

Regardless of what stage you're in there is always room for improvement. Reach out to me and lets get started!

Don't let yourself fall!

Building up your financial security by diversifying your position will allow you to be more stable in the event of unplanned circumstances. Having life insurance, annuities, an emergency fund, a position in the stock market, a plan for retirement, etc. will increase the number of legs under your table and will brace you from falling financially.

If you need help making your table more stable feel free to reach out to me! [email protected]

Protect yourself, protect your family, get insured, and build a secure financial future! Send me a message and let's get started! [email protected]

As your life changes, your financial goals change too.

Whatever stage you're in, where your money is being allocated will always be a factor in your decisions, make sure they are they right ones!

Reach out to me and let's get you set up for you financial future!

Building credit can seem tricky, but without credit or if you have poor credit, it will be very difficult to get a loan, a credit card, and even and apartment.

Credit building tools, if handled responsibly, could put you in a much better position when it comes to your credit score and being able to achieve your financial goals.

If you have any questions or need help getting started, send me a message!

If you find yourself falling short financially month to month, cutting back on unnecessary expenses could make a big difference in your bottom line.

Take a look at where your money is going and where you can improve and you add a great deal of money in your pocket.
As an example, the average American spends roughly $1,100 a year on coffee. Imaging if you used some of those funds to invest in your future.

Know where your money is going and adjust accordingly!