Sam & Janice are a newly married 30-year-old couple with 2 young kids. They are currently renting and looking to buy their first home. 

• Purchasing a home would be too tight on their budget.
• We want to maintain a level of flexibility in our budget and prioritize travelling before having kids.
• We don’t want to make the wrong decision and end up working most of our life just to own a home.

• They both made a good income
• They were just starting out and didn’t have a financial structure in place
• Minimal debts
• Decent downpayment saved up

Completed a Financial Blueprint and put together 3 different scenarios what their cashflow would look like if they purchased a $500,000, $1 million and $1.5 million home. 

The Financial Blueprint Revealed the following:

• They can comfortably afford a $1 million home
• A step-by-step roadmap how to:
  • Pay off their mortgage faster.
  • Setup a simple 3-account system to allow them to travel twice per year without having to rely on credit cards or financing.
  • To use the extra savings in their budget to begin saving for their future kids.

Janice & Steve are 53 years old and they're beginning to think about retiring after 30 years of service.

• Jan wants to retire but is unsure if she’s ready financially.

• Steve doesn’t have plans to retire in 2 years but wouldn't mind entertaining the idea because his workload at work is increasing every year.
• She’s worried about running out of money during retirement and will be forced to go back to work with no seniority.

• Jan and Steve have a small mortgage left in the house and confident she needs to pay it off before retiring.
• She is contemplating delaying her retirement until age 60 because she feels she’s not ready.

• They want $6000 per month coming into the home during retirement to live a comfortable life.

• Both Jan and Steve have work pensions.

• They currently pay $7500 per month on household expenses 

• Their assets are scattered in multiple accounts across different companies and don’t know where everything is.

We created 3 different scenarios to illustrate how long their assets would last based on withdrawing a different amount of money per month.

The Financial Blueprint revealed the following:

• All the assets they have along with their pension and government benefits will be enough to payout $6000 per month without running out of money.

• Steve has the option to stop working in 2 years without impact to their retirement goals

• Based on their payment schedule, the mortgage will be paid off 3.5 years and is not a significant factor in their retirement plans.
• A yearly breakdown of:
  • Their total assets at any given year
  • The amount of taxes they can expect to pay
  • The cash flow they can expect to have every month

• Wants an extra source of income to cover the kids’ expenses

• Wants to move into a bigger home.

• She’s tired of doing the same old thing! She feels “caged in” at her job and wants something new.

• She wants the option of controlling how much she gets paid without sacrificing her existing career.

• Does not want to sacrifice too much family time after work.
• Doesn’t want to be a bother to other people.

• We designed a schedule that allows her to work from home 100% thru zoom while still being present with the family.

• Effective marketing approach that is low pressure, not awkward and still allows her to be herself.

• Likes the idea of working hard today, and then continuing to get paid without having to do anything. 

• Hope to work in a professional business that provides high-quality services or products for everyone.

• Has a proven track record of success and not just some empty words.

He’s feeling overwhelmed by the prospect of getting into finances because it seems complicated and he's an introvert.

Steve discovered through our Zoom consultation that:

• We get paid 9 different ways. Three of those are passive, three bonus-based, two equity based and one is active! 

• Behind-the-Scenes Support System and easy-to-use digital tools that take away the complicated parts of finances.
• Over the last 40 years, 3000 six-figure earners and 100 seven-figure earners have been developed by this company. It is not that they're so great but rather a reflection of the system they plug into.

• Wants a business she can own with the option of selling, passing down to his kids and continues to function without his involvement.
• This is not available in her current business and wants to make better use of her time and effort.

• Too much capital to start a business from scratch
.
• Too many financial advisors and she doesn't see a way she can stand out from the crowd.

Vilma discovered through our Zoom consultation that:

• We have an Ownership Guideline in place that gives anyone an opportunity to own their book of business (clients) and the distribution sales force they develop (team). This way, all qualifiers can designate someone to oversee your agency operation on behalf of themselves, sell it onto a peer or pass it onto their family. 

• Success in financial services requires very little capital outside of completing classes.

• The value of your agency solely depends on the quality of your clients and team that you develop.

• She is in total control of the type of organization he wants to create within a business system that’s already been created for her.

• According to Statistics Canada, 41% of Canadians in the past 12 months sought financial advice, and that number is continuously growing every year. The market is so big that she would need to specialize in a niche market to meet that demand.

• According to a 2015 article from the Globe and Mail, financial advisors are an aging workforce and a new generation of money coaches will be needed to meet the rising household debt and transferring wealth between the Baby boomer generation and Millennials.