1. Commit to educating yourself more on investing and personal Financial Planning.

2. Build up a two to six month cash reserve.

3. Get control of debt. Consolidate credit cards into one, lower interest rate, double up, avoid late penalty, consider refinancing your mortgage rate.

4. Teach your children about money management skills early on.

5. Make sure you have adequate life insurance for your loved ones.

6. Start planning for your children’s college education - consider a 529 plan.

7. Begin the discussion about the care of parents (long term care).

8. Don’t wait to see how much you can save at the end of the month, Save on a regular basis (automatic investment plan).

9. You don’t need a Financial Advisor everyday , but when you do, know someone you can trust, who is knowledgeable and will care about you.

10. It is hard to predict - so diversify, and rebalance your investment portfolio.

11. Consolidate your investment accounts and retirement funds.

12. It is better to sacrifice today, than having to sacrifice when your retired. Start saving today and increase when possible to your 401(k) or IRA.

13. Establish a Will or Revocable Living Trust and keep it current.

14. How do you want to be remembered, leave a Legacy (consider a Memorial Scholarship Fund).

15. Stay away from casinos on payday.

For a confidential free consultation contact:

Al Quihuis
Certified Financial Planner
alquihuis@az-hispanicconnection.com
480.768.9064

Financial Directions, LLC Securities offered through Triad Advisors
Registered Investment Advisor Member NASD, SIPC, MSRB