Renovation Assistance to Jumpstart Economy

The government wants to get the economy up and running again. That’s why they’ve released stimulus funds and relief packages. 

But the latest news is a big one...

Renovation Assistance

The Scott Morrison government announced the Homebuilder boost worth $688 million in funding. They’re doing it to kickstart the residential building industry.

And they’re giving $25,000 grants for those looking to build or renovate their home. 

Whilst it’s great news there is one caveat...

It doesn’t apply to investors... because the government thinks we’re doing well enough as it is. 

These grants are for first-time owners or owner-occupiers who want to make changes to their home. They’re available for those building homes worth up to $750,000. Or for applicants undertaking major renovations worth $150,000 to $750,000 on existing properties valued under $1.5 million.

It became available on the 4th of June and runs until the end of December. But I predict that we won’t make it until December. If you do the math for how much they’ve allocated for this divided by $25,000, it may go much quicker.

These grants can help kickstart 27,000 residential projects in Australia as well as support 1 million people in the industry.

Now, as an investor, it may disappoint you that you don’t qualify for these grants. But it helps us property investors in other ways.

As I’ve said before, homeowners drive the property market. When real estate increases in value, it’s because of homeowners. Homeowners make up 70% of the marketplace.

So now, these homeowners receive this $25,000 gift from the government and the banks are offering record-low interest rates. On top of that, there’s no Stamp Duty under $600,000.

Do you see where I’m going here?

There’s an opportunity for many homeowners to get into a property right now. It will never be this good again. And as investors, our properties also go up because of the demand.

It’s a win-win situation.

If you’re looking to get into property investment, there’s no better time to start. There are amazing opportunities right now…

Property Still Safe Bet

With all the dramas of the last few months, you may be wondering if banks still consider property a safe investment. 

Take a look at some of the facts…

There are around 10.5 million properties around Australia. Approximately 70% of the properties have owner-occupiers. And out of that 70%, close to 50% of them actually have their mortgage paid off.

What about the other half?

They use the equity in the home to generate more income from things like investment properties.

So, the total value of Australian real estate out of those 10.5 million properties is around $7.4 trillion. The outstanding loan amount against that real estate is around 1.3 trillion.

If you do the math, you’re looking at a loan to value ratio of 25%.

So, to answer the initial question about banks really considering real estate as safe as it once was…

... it’s a resounding “YES!.”

One thing you should know is that when it comes to real estate, the bank becomes your debt partner. When a partner gives you up to 80% against the value of that asset, that’s the bank telling you that they believe in the decision.

They’re telling you “it’s a good buy” with their actions. But they can’t say those exact words to you..

However, they can show you how much money they will lend you against that asset. If it’s a good investment or purchase, they’ll lend you up to 80% against the value of the asset. If they start to lend you less than 80%, they’re really saying that the asset that you’re looking at carries some degree of risk.

The bottom line, though, is the bank is still ready and willing to make that investment journey with you.

Are you ready to expand your investment portfolio? There are some great opportunities available…

Contending with Tenant Job Loss

Picture the scene - you own an investment property and your tenant has lost his job. 

What do you do?

I got this question often in the past few weeks - a sign of the times. Not only do we wonder how to get tenants into our properties, but now have to contend with tenants who’ve lost their job.

Losing a job is a tough one.

Normally, I might tell you how to handle situations where your tenants lost their job. 

But what about the tenant’s perspective? As owners of property, we rarely see it from the tenant’s viewpoint. 

As owners and landlords, you may have to speak with tenants dealing with job loss so it’s a good idea to understand things from their perspective. It’s also a good idea to know what to say in situations like this.

So, if you’re a tenant who lost a job…

First things first, you need to contact Mum and Dad. That’s probably not what anyone wants to hear, but you need to face reality right now. You need a place to live and maybe living with your parents can help for the time being.

Of course, you can also get together with friends to figure out a new living situation. But you do need to work with someone because you won’t have the income to pay rent anymore.

Remember that this stuff is temporary. It may be disheartening to deal with the realities of unemployment and the change in living situation, but it’s not forever. And it’s not the end of the world.

So, do yourself a favour and buy yourself some time.

Also, try getting into communication with your landlord.

I’ve heard and seen situations where people can’t afford to pay rent because they’ve lost their job, but they work something out with the landlord. It may be that instead of paying rent, they’ll do some maintenance work. Or they may pick up and drop off the kids at school.

These are simple things that a landlord may pay someone else to do, but you can do instead of paying rent. But you won’t know if you can come to an agreement unless you contact your landlord first.

If you’re an investor looking for new opportunities…

Attracting Tenants Post COVID-19

I’ve been hearing grumblings in the media that landlords are struggling to collect rents from tenants. 

I’m sure you’ve probably been hearing the same. 

Is there any “real” truth to it?

Well, I’ve got a substantial property portfolio... and I can tell you right now I’ve got no issues with rents.

Maybe it’s because I chose the right properties to invest in from the start. Or maybe it’s because I’ve got great property managers. I don’t have this problem myself.

However, I can see that it may be a problem out there because many people lost jobs. And no jobs equal no rents, right?

So, how do we remedy this?

How do we attract tenants in this post-COVID-19 environment?

I have three tips for you:

1. Reduce Rent

You can hold off on trying to get market rent or maximum rent. And that’s going to hurt your cash flow long term. Or you can reduce your rent to attract more tenants.

1. Negotiate a Reduced Rent

This next one is a two-part deal.

You can negotiate a reduced rent and defer a portion later on down the track.

As an example, I noticed that some of our clients are in a situation with some tenants where they’ll take a bit less upfront but get the balance back at the end.

This can work as long as you have an agreement drawn out and get into communication with your tenant.

1. Get Creative with Offers

It’s also time to get creative to attract tenants. I’ve seen people offering Netflix subscriptions and Foxtel subscriptions for a small period of time. You may not think that it means a lot, but it could be the difference between getting a tenant and not getting one.

Regardless of which tip you choose, just remember:

Reduced rent and reduced cash flow are better than no cash flow at all.

Speaking of cash flow, if you’re looking for more opportunities to expand your cash flow…

Always Protect Your Capital

Do you follow investment trends without doing deep research? If so, it’s a dangerous game you’re playing!

Sure, you may get lucky. Example: some property investors made a killing in the Perth market during the mining boom.

Others got lucky and jumped on crypto when it was ripping up to $20,000 USD. 

But, truly, bubbles such as those can’t sustain themselves. Sure, you might make a killing for a while but, like most people experience, the bubble bursts! 

Which is why one of the silliest things you can do is invest without deep research. I’ve seen it time and time again in the property market. 

Before investors know it, suddenly they’re saddled with mortgages that are greater than the value of the properties. Banks can’t close enough to get their money back. And everybody is in a world of hurt.

Just plain silliness.

Warren Buffett said years ago to “always protect your capital.”

You aren’t doing that if you’re getting greedy and chasing trends.

As a good rule of thumb, you want to have an investment strategy that extends 15 to 20 years down the line.

You want something with a proven history. Or you could end up going backwards with your investments the way that some people do when they chase trends.

Investing is never completely risk-free, but you can minimise your risk. One way to do that is to do your research and look at the criteria carefully.

That’s really the only way to protect your capital.

If you need help picking out your next property, we can help.

The X Factor

You probably have questions about the property market right now.

What will happen to your investment properties?

Is it a good idea to jump into investing at this time?

Now that the country is starting to open up again, you’re looking at real estate prices on the market and they look like they’ve declined.

But all that’s changing now.

And what’s the most important to look at when considering the potential risk of property investing?

It’s the unemployment rate. We call it the X Factor.

It’s the one thing that’s going to decide what the property market does.

The majority of Australian businesses, roughly 97%, have less than 20 people. This is the small/medium enterprise market.

Now, you can see why the recently-introduced stimulus packages target this sector. It makes up a huge part of the economy.

These businesses don't have the balance sheets of big corporations. Nor do they have that long line of credit to see themselves through for months on end.

And that is a key reason why banks reduced interest rates.

As an investor, you probably took advantage of those record-low rates. But they did it to stimulate the small business enterprise market. They want those guys to borrow money, take on credit, and expand their business.

Why?

Because once they do that, they can go out and employ people.

And the employed feel comfortable buying homes or signing rental leases. They help keep the market going. That’s really why you need to watch the unemployment rates if you want to gauge the pulse of the market.

It’s not a crystal ball, but one area feeds into the other. And you can get a better idea of what to expect in the future.

As far as I see it, the future is looking better than most people think. In fact, I’m finding opportunities to invest like you wouldn’t believe! 

Understand the Australian Property Market

To truly understand the property market, you need to understand the Australian economy. Why? Because they go hand in hand.

So in this email I am going to provide you with some of the groundwork to get a much better handle on things. 

Here’s the thing… 

Once you understand the Australian economy, you’ll see the bigger picture. When you see the bigger picture, you may feel a bit more comfortable with the real estate market; and where it’s going.

First, look at the construction industry.

The property industry employs a lot of employees. It’s the third biggest industry behind healthcare and education services. Approximately 13% of the GDP comes from the property industry.

Now, when construction makes up a lot of the GDP, what does that tell you?

Think about where the government gets its main source of revenue…

They get it from income tax.

That’s really why the government does all of these stimulus packages for you. The property and construction industry gets incentives, too.

Why?

The government wants to protect its revenue source, including jobs and the property sector. Doing so helps them protect their pockets.

Let’s take it one step further…

When you buy property, what do you pay?

You pay stamp duty, right?

You hold onto the property and you pay land tax. You dispose of the property and you pay capital gains tax. And through all of that, you’re paying income tax.

Every move you make, they’re there with their hand out.

Now, there are a couple of ways you can look at this.

You can think, “They’re taking money out of my pocket!” It’s a view commonly held by many Australians, so you aren’t alone in thinking that way.

But you can also think of it another way. Say, “You know, real estate is always a safe place to invest for those reasons.”

Our economy is so tightly connected to the real estate and construction industry. Because of that, our government will do whatever it needs to do to make sure it’s moving in the right direction.

It’s one of the main reasons I am such a fan of property investing. And it’s also why I love educating people about how they can secure their financial future with property. 

It’s easy to get the ball rolling.

The Property Market In Crisis

The world is starting to get back to normal. But what does the new normal mean for the property market?

Maybe you read headlines about a potential financial crisis and you wonder how it affects your investments. The truth is the media likes to tout doom and gloom headlines. But they don’t give the public all the facts.

So, the first thing you should know is that usually after a crisis like this, real estate prices have often bounced back very strongly. It seems impossible, but it’s true.

Think back to the financial crisis of 2008-2009…

• Sydney bounced back at 39% over five years

• Melbourne bounced back at 18% over five years

If you go back to the financial crisis of the mid-70s, you’d see that real estate prices grew by 100% over five years. 

The reality is that real estate does not move like shares.

If you take shares for an example, have a look at the last four months. If you have a share portfolio, you’ve gotten killed because the share market dropped by 35%-40%.

So, people who have their super parked in shares are dying right now trying to get out. Sure the market is starting to climb back, but most people are realising heavy losses. 

Shares work on those snapshot figures. When prices go down, they show up in the value of your portfolio immediately. But real estate works differently so you can’t just look at one number and declare that the markets are dropping.

You may see transactions slowing down, but that’s because people are not putting their properties on the market. 

Remember that investing in real estate is a long-term game. You may see little blips in the market now, but over time they could equal huge gains. After all, history shows that it’s happened before.

Are you ready to expand your portfolio or start your own long-term investment?

The bottom line is there are incredible opportunities for the taking... and we can show you some of those in our webinar.

FILTER YOUR NEWS

Be careful when you watch the news. Because if  you’re like most people, you get updates about the property market from the news. 

And that’s probably a mistake. 

Why? Because usually what you see in the media is quarterly or monthly data. And people see that data, come to conclusions, and make decisions – all without getting the full picture.

Remember that real estate investment is a long-term play!

And in fact, if you’re looking to get in and get out within 12 or 24 months, you probably should not invest in real estate.

Why?

Because in my book, you’re gambling. 

Here’s the thing…

Real estate works on certain principles and laws. Savvy investors understand those laws and use them to their advantage. Or, they work with people who can advise them accordingly.

Ultimately, though, it’s a long-term play. So, you can’t make decisions based on what you see in the media and what the market did in the last quarter or month.

It’s inaccurate.

You’re not getting the full picture.

For example, some markets may have gone up 22% over the last 12 months but the media didn’t report it. Yet, when that same market drops by 10% in a shorter period, people freak out.

You can also take it into perspective.

If you went up by 22%, can you afford to lose 10%? You’d still be ahead by 12%, right?

But you don’t always get that data in the media. If you don’t have that information, you don’t really know how that 10% drop affected you because you may not know about the 22% spike.

So, exercise caution when you’re looking at data. When in doubt, consult a reputable source to make your decisions.

COVID-19 Effects on Property Markets

The world waited with bated breath to see how COVID-19 would affect the economy. But as an investor, you probably have a more immediate concern: your property values.

You also probably wonder how your investment strategy will survive post-pandemic.

It’s on many investors’ minds and one of the biggest questions we receive from our clients:

Have property prices dropped during COVID-19?

The big answer may surprise you - the market really hasn’t moved all that much. 

You have to remember that a lot of people are choosing to sit it out right now rather than selling their properties.

So, if you aren’t selling your home, the market can’t drop, right?

The definition of a “market drop” is that people are selling their properties for less than what they’re worth. And they’re doing it on a large scale.

Sure, there was a slowdown in activity in the property markets. But the Real Estate Institute of Australia recently released news that it’s starting to see a spike in activity.

Even Melbourne and Sydney have had increased auction attendances over the past couple of weeks.

So, based on that, the market certainly seems like it’s heading in the right direction. And that’s only the start!

As people start getting back to their daily activities, you may see many more people getting ready to put their homes up for auction. 

The key, though, is patience.

Adopt a “wait and see” attitude and see where the market goes. If you were in a position to do so, maybe you jumped on a few investment opportunities during this time. But if you weren’t able to take advantage, there’ll be plenty more ahead.

As a savvy investor, you already know that investing in real estate is playing the long game. Sometimes you see spikes and sometimes you see dips. But rest assured that the pandemic didn’t cause the market to drop.

Are you ready to take advantage of the available investment opportunities?

Let us help you find your next investment property.

What’s the Game Plan?

The world still seems pretty chaotic right now. 

So, the big question is:

As an investor, what’s your next move? What should you do right now?

Does the current state of the world affect your game plan? And if so, how does it change?

The answer to those questions strongly depends on your individual circumstances.

If you have secure employment that equals income security, for example. That may mean that you can borrow from the bank to invest. If you’re in a position like that, there’s no better time to look at getting your money to work for you.

There are plenty of opportunities as you’re reading this... and we’re having some incredible wins with our clients. 

But you need to be in a place where you know you’ll have a job in the long term. That means beyond the next three to six months.

If you don’t have that guarantee or that conversation doesn’t go well with your employer, you may have to resort to the second tactic:

Build up your cash reserves.

Cash is king right now. So, if you’re not in a position to take advantage of all these opportunities, you should save money.

Also, if you’re not in a position to invest now, we have a program for you.

For clients who can’t commence their investment strategy immediately, our team works with them and gets them ready. We go over things like managing cash flow and understanding your current assets and liabilities.

The rest of the world may be stuck with what to do next, but that doesn’t mean you have to be stuck. 

And I’d love to help you. Maybe you’re not in a position to be a Wealth For Life client. But you can definitely join us on our training webinars.

The New Lending Landscape

Is now the right time to invest?

Savvy investors know that there are opportunities amid the recent chaos. So, if you had the means you may have already taken advantage of the new lending landscape that’s available right now.

If not, you may want to jump on board…

It all started a few months ago. Banks needed people to borrow again. 

Applicants who wanted to refinance inundated their banks. But those banks weren’t receiving as many loan applications.

So, they dropped their rates.

That’s right.

Rates are at an all-time low right now.

Banks have also slowly shifted the way they do business because they had to learn to work around COVID-19. Namely, people started working from home.

Consequently, we’re starting to see service levels come down.

Service levels are the time it takes for a bank to process a loan. So, if those levels come down, what used to take 25 days can take as little as three days to process.

You may wonder who’s benefiting from this new way of doing business…

Homeowners are seeing better rates on the market and that may lead to fewer defaults. So, that’s good news for owner-occupiers who need affordable home loans.

Investors are also seeing some of the lowest rates available right now. You may be looking at mid to high twos depending on how much you borrow against the value of the property.

It’s unprecedented in our time.

And there’s chatter that those rates are going to stay low for the next two or three years.

Now, that’s not a guarantee because nobody has a crystal ball to predict the future. But economists are saying that they’re going to keep rates as low as possible to help try to drive and stimulate the economy.

So, what are you waiting for?

Now’s a great time to invest!

Even if you’re in “saving mode” and not “investment mode,” we have programs that can help.

Take advantage of this unique period of lending history and learn about the possibilities. 

From Flat to Flying

Are you ready to change your life? If so, I have a great story for you today!

One person who followed our advice to the “T” and achieved remarkable results is Glenn Moxon. 

Take a look at his story...

One morning, Glenn went into work feeling pretty flat. He wasn’t happy with a couple of his properties. And at the maturing age of 52, he wasn’t happy with his super either. 

He thought to himself, “I need to do something about this.”

Glenn wasn’t new to property. He’s owned properties since he was in his 20s and a couple of them did quite well. 

But some floundered. 

When we looked into the underperforming properties, we found the problem. The problem was Glenn thought he could buy property anywhere and he’d make money. 

But as we showed him, where you invest is a super important factor to consider. You can have two houses with the same size block and structure. But one will massively outperform the other if it’s in a growth area. 

Obvious, right?

So we sat down with Glenn and worked out a plan to turn things around and retire him at 60. 

First, we helped him sell all four of his low-performing properties. Second, we helped him get into some new ones. 

Fast forward a few years…

He now has 10 properties in his portfolio and is doing really well. His loans are worth $2.5 million, and the properties only cost him $40 - $50 a week, if that.

And Glenn has enough to retire early on $200,000 a year!

Is Now the Time to Invest?

Here’s a question that everybody is asking right now… 
Is now the right time to invest?

The answer to that is two-fold.  So, if you’re looking for a simple “yes” or “no” answer… well, it’s not that simple! 
Sorry. 

There are a couple of ways that you can look at it.

The first viewpoint goes like this:
First, ask yourself if you’re in a position where your employment is safe and secure? If it is, this is good news because it means that your income is secure.

When you have income and employment, there are probably banks that will lend you money. 

Of course, you also have the second viewpoint. And it could help you clarify if you should invest now. 

It’s this…

Most people in general don’t do well financially. And most people right now are scared. In fact, the prevailing sentiment is that it's a scary time to invest. 

Well, let me ask you this… 

If 94% of people retire below the poverty line… and if most people think now is a scary time to invest, maybe it’s a GOOD time to be investing?

So, what you can do is look at what most people achieve and do the opposite.

Hmmm… something to think about. 

Which is why instead of looking at what 94% of the population is doing, study what the 6% of the people who aren’t under the poverty line are doing. And that’s the exact opposite of everybody else.

If you want to know if now’s the right time, take stock of your individual situation. 

How to Become a First-Time Property Investor and Change Your Family’s Future

PROPERTY INVESTMENT IS YOUR SOLUTION TO THE QUESTION OF HOW TO SECURE YOUR FINANCIAL FUTURE. IT CAN CHANGE YOUR LIFE, AS LONG AS YOU DO IT WELL.

What do you see when you look towards the future?

You’re working a full-time job right now and earning enough to pay the bills. You’re paying money into your super and you’re hoping you’ll have enough to retire on.

But having enough isn’t the same as retiring comfortably. And struggling with constant work isn’t giving you the quality of life right now.

That’s where property investment comes in. With the right investment strategy, you can completely change the course of your family’s future.

It sounds like the stuff that only the wealthy can do. The money needed to buy a property isn’t exactly small potatoes for the average person.

But that’s not the case at all. People just like you have created property portfolios that get results. Even single-income families can succeed with property investing.

Such was the case with Luciano and Melissa. They came to Wealth for Life with big dreams of creating an amazing future for their family. Let’s dig into what they wanted and how we helped them to get there.

LUCIANO AND MELISSA – THE CASE STUDY

Luciano and Melissa Fiorio came to us with a single income background. Luciano earned $100,000 from a six-day workweek. Melissa stayed at home with their young son Rocco. Both in their 40s, they wanted to work to clear their debts.

That’s what people had always told them to do. Work hard, clear your debts, and then retire.

But there are so many problems inherent in that approach. In Luciano’s case, working six days a week meant he had almost no time for his family.

This approach also wasn’t going to get them what they really wanted – their dream home. On top of that, they wanted to send Rocco to a private school. Plus, they wanted to avoid the difficult retirement situation that their parents had found themselves in.

The couple hadn’t even considered property investing before they came to us. But with our help, they charted a course to achieve their dream.

Our Solution

Our aim was to build a carefully-selected property portfolio. This portfolio would generate a passive income to help the Fiorios achieve their goals.

We started by looking at their home. We helped the couple to refinance their house so they’d get a better interest rate on the mortgage. Straight away, they made savings of $7,500 per year that could go towards their investments

Then we got started with the business of building a portfolio. Our financial planning team helped the couple to set up a self-managed superannuation fund (SMSF). Through this, they could invest in two properties to get their portfolio on track.

We also understood that the Fiorios were newcomers to investment. We’re all investors ourselves and we understand how scary it is to try something new. That’s why we created a team of financial planners, solicitors, and property managers to take the hard work out of their hands.

Furthermore, we made it a point to explain everything to them in clear terms. We didn’t want to leave them feeling uncertain about any aspect of their strategy. Our team took them through everything step-by-step so they always understood what we wanted to do on their behalves.

This single-income family now owns three properties with a combined value of $1.635 million. Between them, those properties collect $1,250 in rent. As long as they keep following the strategy put together for them, they’ll retire at 60 with a passive income of $160,000 per year.

That’s more than Luciano’s earning from working six days per week.

And here’s the best part.

They’ll be able to enjoy all of this in the comfort of their dream home. They’ll be debt-free and living the high life thanks to property investment.

Perhaps you find yourself in a similar position. You’re a new investor who wants to make the most out of what you have now to build an amazing future.

Here are four tips that every beginner needs to keep in mind.

 TIP #1 – MAKE RATIONAL DECISIONS BASED ON RESEARCH

There’s this common trap that a lot of new investors fall into.

They see an opportunity that looks amazing from the outside and they jump at it. Maybe they think someone’s going to grab it before they do.

And then the problems start. They didn’t carry out any building inspections and there are now tons of costly issues for them to deal with. The property isn’t the right fit for its location and they struggle to get tenants.

What seemed like a golden goose has now laid a…you know what.

That’s the situation that the Fiorios wanted to avoid at all costs.

As a new investor, research is your best friend. You can’t make decisions rashly or let emotion get involved. Remember that this is a business that you’re creating. Plus, more opportunities will come, so don’t rush into something without putting in the legwork. 

TIP #2 – MANAGE YOUR CASH FLOW PROPERLY

You have to get good with money to manage an investment property. You’ve got rental income coming in and a bunch of expenses coming out. There are council rates and all sorts of extra fees to consider.

Some of your expenses are irregular too, which means you have to account for emergency situations.

And as your portfolio grows, your cash flow concerns become more complex.

You have to understand what’s happening with your money at all times. That means knowing how much you’re owed and collecting it on time. It also means accounting for all of the expenses and keeping an emergency fund available to deal with unexpected issues.

TIP #3 – GO FOR LOW-RISK PROPERTIES

Some people see property investment as a way to get rich quick. They hear stories of people who bought something, renovated, and flipped it to earn hundreds of thousands of dollars.

That’s not how it goes for most people.

Property investment is a long-term wealth building technique. That means you’re looking to manage risk at every step of the journey.

Remember that you’re new to the game. Overcommitting on a property early leaves you no room to manoeuvre later on. And if it all goes wrong, you’re stuck.

Keep it simple and low risk, especially when you’re just starting to build your portfolio.

TIP #4 – DON’T UNDERESTIMATE THE VALUE OF GOOD MANAGEMENT

Finding a great property is just the start of your journey.

Keeping your tenants happy is how you earn a consistent income. An unhappy tenant isn’t going to stick around for long.

That’s where property management comes into play. You need to stay on top of every issue that your property has.

If there’s a maintenance problem, you have to be right on top of it.

When a tenant communicates with you, your response has to come quickly.

Property management is as much of a challenge as finding the property in the first place. Don’t underestimate the value of a great property manager.

THE FINAL WORD

Wealth for Life helped Fiorios to make their start with property management. We also built a long-term investment strategy that will see them retire by the time they’re 60. They’ll have their dream house and will live comfortably from the passive income they generate.

With us, they have great property management and a low-risk strategy created by investors.

That’s right! We’re all investors ourselves. We don’t just give people advice. We put what we preach into practice. If it works for us, we know it’ll work for you.

So what are you waiting for?

Take action today and contact us to talk to one of our Investment Advisors. We’ll show you how even a single-income family can achieve the same success as the Fiorios.

WHAT’S SO INTERESTING ABOUT INTEREST?

It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

Don’t worry about sounding professional. Sound like you. There are over 1.5 billion websites out there, but your story is what’s going to separate this one from the rest. If you read the words back and don’t hear your own voice in your head, that’s a good sign you still have more work to do.

Be clear, be confident and don’t overthink it. The beauty of your story is that it’s going to continue to evolve and your site can evolve with it. Your goal should be to make it feel right for right now. Later will take care of itself. It always does.