• I am going to get my debt under control before I seek help.
• I am still young and have plenty of time to get my financial house in order.
• I do not want too much life insurance because it will give my spouse an incentive to wipe me out.
• I do not need to protect my income become I am healthy and do not expect to get injured or sick for any extend period of time.
• I do not need to save, because I plan to win the lottery or make a big hit in the markets.

So here are some of our ideas to keep you in the game:

• Be honest with yourself about your finances. In general, none of us were ever really educated in school about the basics of how money really works, and it is okay to admit that fact.
• Get assistance from a professional, but make sure you choose one that takes an educational approach, so you can understand the decisions you are making.
• Do not wait for later. How much evidence do we need before we wake up and realize we are not bullet proof from life's game of unexpected events. Things happen to people of all ages and we all need to be prepared.

You will be amazed at how good you will feel to have command of your finances. Your ability to communicate with competence and confidence with your family and knowing that your life is prepared for unexpected play that the game of life can throw at you. For any game, knowledge and preparation are the key. Your finances are no different.

Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS). Securities products/services and advisory services offered through PAS, a registered broker-dealer and investment advisor. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly owned subsidiary of Guardian. Lifetime Financial Growth, LLC is not an affiliate or subsidiary of PAS or Guardian. Orange Financial, LLC and Lifetime Financial Growth Company are not affiliates or subsidiaries of PAS or Guardian.

PAS is a member FINRA/SIPC