• Help America Save Again

    #HASA

    Are you a part of the solution or part of the problem?

    The Three Legged Stool.

    • Social Security - According to SSA.GOV, on average will replace about 40% of your annual pre-retirement earnings.
    • Employer-Sponsored Pension - Traditional or Roth.
    • Individual Savings and Investments - Click on the stool for JR's Wealth Strategy.

  • But What Is Grit?

    From Wikipedia as (personality trait), "perseverance and passion for long-term goals."

    Our Goal

    Is to empower each individual to be financially responsible for their future. Practical Financial Wisdom. Individual goals differ from person to person and our job is to identify those goals.

  • Who We Are

    We are financial professionals whose belief is always what is the best interest of our clients. We will search for the right product before making our recommendations or revisions.

  • Our Philosophy

    We want to empower our clients using concepts of preservation of capital. We believe that this is one concept that will help secure their financial future.

    Warren Buffet Rules of money are:
    #1 Don't lose money.
    #2 Don't forget rule #1.

  • Our Process

    Derived from one of the best known and credible financial school "The American College of Financial Services". (ChFC, FSCP, CLU, CFP, CLF, MSM, MSFS, PhD, etc.)

    1. Identifying prospects by using target marketing. We partnered with other financial institutions to get in front of people who needs our service. It is better to do business with prospects who are looking for our services.
    2. Only approaching prospects who successfully filled out some kind of form needing our services.
    3. Meeting prospects by setting an appointment. We don't want to waste anybody's time.
    4. Gathering information and establishing goals by making sure that our recommendations will be -Comfortable -Affordable -Sustainable -Qualified We will gather information to look for funding sources.
    5. Analyze all information using the following attributes:
      -Needs Analysis
      -Financial Risk Tolerance
      -Risk Management Strategies and Concepts
      -Risk Exposure
      -Investment Management Concepts
    6. Developing and presenting the plan by finding and comparing the best use of illustrations. For most financial companies, this is a requirement before going on the application. We work with more than 20 financial companies and we will strategically find the best plan for you so you don't have to. We will prepare and show you the timelines for what is available as you reach certain age phases.
    7. Implementing the plan by assisting you all the way. We will coordinate with other financial professional for other needed services that will complement the services you are getting from us. Some examples are:
      -Accountants
      -Attorneys
      -Real Estate Advisors
      -Stock Brokers
    8. Servicing the plan by monitoring and evaluating the soundness of our recommendations. We will do this by Annual Review of your policies. This way, we can see the changes in our clients personal circumstances like:
      -New births in the family. Add additional coverage. Show alternative savings plan like "The Millionaire Baby Plan"
      -Deaths in the family. Change beneficiary or help in the process of getting the death benefit from the insurance companies.
      -Illness. Show our clients their living benefits if apply.
      -Divorce. Changing beneficiary to the right person.
      -Change in Job Status. For flexible premiums, you can go up or down on your monthly's.

      We also look out for changes with the following before making any recommendations or revisions:

      -Tax laws
      -Benefit and Pension Options
      -Economic Environment

  • Bridge The Retirement Gap
  • Bridge The Retirement Gap
  • Bridge The Retirement Gap

Bridging The Retirement Gap

You have much to consider in your retirement planning.

  • Rising Inflation
  • Extended Life Expectancy
  • Increasing Healthcare Cost
  • Uncertainty of Social Security Income

To help reduce any uncertainty in your plans, it's a good idea to explore the difference in your projected retirement income and your retirement expenses. This difference represents the gap you may have in your retirement plans.

1637 E. Valley Pkwy #282 Escondido, CA 92027 USA

Blog: Facebook Page
CA Life & Health License: 0H44285, Download
NV Life & Health License: 3112829, View
Calendar: Schedule a call
Email: richard(at)gritfes.com
           richardgo@exertusmail.com
Phone: +1 (775) 583-RICH [7424]
Website: www.GritFES.com
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Zoom: Passcode "92027"

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