Managed Money James Cruz

A portfolio of personal protection policies are generally utilised within a comprehensive wealth management plan to ensure that wealth plans are kept on track in the event of a major illness or injury.
Today I highlight a recent case study where we had a positive claims experience for a client who broke a leg whilst snow skiing in Canada. 
While insurance is a drier topic than retirement, it is still the most cost-effective way to protect your future plans from an unexpected illness or injury.
For the record, the insurer was BT Life with whom we have a great relationship with and who have supported a number of our clients when they have needed it.

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Listen in as James explains how Evolution Financial planning are re-balancing and actively managing client portfolios.
There has been an extended period of double digit, market linked returns. While investors can become complacent when returns are attractive, this causes James more concern as discipline falls away in the pursuit of performance.
Please reflect on your own retirement funds and consider a review of your asset allocation and ensure that cash levels are suitable to meet your retirement goals.

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Listen in as James Cruz explains the different types of advice that family business owners can access and why a virtual family office is best suited for family businesses.
A comprehensive tailored offering is worth the relationship and having one firm in your corner to help you stay financially organised, educate and administer the next generation and to make sure that you have the best aligned professionals on your team is the optimum strategy to ensure your family legacy can be maintained for the longest period.
You haven't worked this hard to see your efforts frittered away on poor investment and lifestyle decisions.

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Listen in as James Cruz explains how a retirement should be thought of.
Many think of retirement as the period post working. The reason we focus on growing capital for retirement is this should be an exciting time filled with enjoyment and purpose. Consider the first 30 years of your life as the growing stage. The next 30 years are work and industry and the next should be the fruits of your labour.
Our idea of retirement is an alternative to that portrayed by media and government and our wish for you is that you create a wonderful retirement life. Age is no barrier and planning early makes for an easier and enjoyable phase of life.

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Listen in as James Cruz explains how the actual money mindset that you are using maybe inhibiting your wealth plans. You may not want to be the richest person in the cemetery but you can alter your state of mind to grow wealth.
James will explain how he was influenced by Noel Whittaker, Nick Murray and Napoleon Hill who have all written books that have resonated with many readers over the years to create a clearer thinking about money and why it is important to understand your thinking on finances.
Please make sure that you record and send us a message on anchor.fm/managedmoney and we will forward you one of Noel Whittakers finance books which is personally autographed by him.
Cheers and have a great week.

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Hear how James explains what is considered a comfortable amount for retirement and how a combination of capital and Centrelink can produce great results.
Click here to read the article that James refers to so you can see how close you are to funding a 30 year retirement.
Feel free to leave a message for a question for us to answer. Let's make retirement more confident and certain.

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