“Courage is the most important of all the virtues because without courage, you can't practice any other virtue consistently.” ― Maya Angelou
Carlton B. Finley
Problem with employee retention? In 90 days or less, guaranteed, using our 4-Step M.I.S.E. Process, we help Food Service & Hospitality business owners retain & attract great employees and save money on employee benefits.
October is Financial Planning Month
Financial Planning Month allows you to take control of your financial future. With decades of experience, we help families, business owners, and individuals secure their financial well-being. I want to stress the importance of this month for you.
The latest statistics from Bankrate show that 43% of Americans are at risk of being unable to cover a $1,000 emergency expense. This means many people are one unexpected event away from a financial crisis. With inflation and the rising cost of living, ensuring your finances are in order is more important than ever.
The Marketplace Healthcare?Open Enrollment Period (OEP)?starts on November 1st. Now is a good time to review your financial plan. This period allows you to reassess your healthcare coverage, an essential part of your financial strategy.
Healthcare costs cause?66.5% of U.S. bankruptcies. Plan now to avoid unexpected medical expenses.
In a year, you can achieve a strong emergency fund, manageable tax responsibilities, and growing investments. This vision of financial security is within your reach—but only if you act now.
The M.I.S.E. Process
Let me remind you of our M.I.S.E. Process—a proven system to reshape your financial future. M.I.S.E. stands for Manage, Invest, Save, and Educate. It is designed to help you manage your money, invest wisely, prepare for unexpected events, and keep learning to stay ahead on your financial journey.
Your Action Plan: 4 Simple Steps
1. Manage: Analyze your current financial situation. Are your savings in line with your goals? Do you have adequate healthcare and life insurance? These questions are crucial, especially with OEP approaching.
2. Invest: Start small but steady. Contribute to retirement accounts, stocks, or other investment vehicles. The power of compound interest will help your investments grow over time.
3. Save: Build or strengthen your emergency fund. Aim for at least three to six months' worth of living expenses to protect against unforeseen events.
4. Educate: Stay informed about the ever-changing financial landscape. Make sure to attend webinars, learn about personal finance, and seek advice from trusted professionals.
Don’t Wait—Act Now!
During Financial Planning Month, it's important to review your financial goals. With Open Enrollment for Marketplace Healthcare approaching, now is the ideal time to make sure your finances are in order. Let's collaborate to safeguard and ready you for whatever the future brings.
Is Your Family’s Financial House Built to Last?
Are you confident that your family’s financial foundation is strong enough to withstand life’s unexpected challenges? If you’re unsure, it’s time to take control of your financial future.
With The Financial House Building Blueprint, you’ll receive a custom-designed plan that helps you build a rock-solid foundation for your family’s finances, so you can:
This tailored strategy is designed to help you safeguard your wealth while ensuring your loved ones are protected. Don’t wait until it’s too late to secure your family’s future.
Schedule your FREE Financial House Building Session session today and start building the financial security your family deserves.
P.S.: It’s time to take action and make sure your family is protected. Let’s build your Family Financial House together!
October is National Domestic Violence Awareness Month
Every October, we observe National Domestic Violence Awareness Month. We help by raising awareness about domestic violence, supporting survivors, and educating communities on how to take action.
Domestic violence is not just physical abuse. It can take many forms, including emotional, verbal, psychological, sexual, and financial abuse. It happens when one person in a relationship uses power and control to hurt or dominate the other person. Domestic violence can affect anyone, regardless of age, gender, race, or background.
Forms of Domestic Violence:
If You Are a Victim:
If You Know a Victim:
Domestic violence is a serious issue, but there is help and hope for those affected. Together, we can break the silence and stand up for those who need it most.
Resources:
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Tackling Financial Challenges: A Guide for Middle-Class Households — Part 3
It is no doubt that middle-class families in the U.S. are facing a variety of significant financial challenges that threaten their economic stability. Our newsletters, will explore the top five challenges impacting middle-class families today. Then, we will include 3 action steps that can be implemented today to combat the challenge discussed. These action steps will be based on the 3-Parts of a Financial House.
Part 3: Inadequate Financial Education
Many adults over 40 feel that the financial education they received in school did not prepare them for managing personal finances. Around 66% of middle-income Americans report lacking knowledge about budgeting, debt management, and long-term planning.
Action Steps:
“I did then what I knew how to do. Now that I know better, I do better.”― Maya Angelou
Who Are We and Why Do We Do What We Do?
In this rapidly changing world, finding and keeping great employees has become a tough challenge.
Businesses are facing unprecedented obstacles, and the need to adapt and thrive has never been more urgent. At CB Finley & Associates, we are here to help both businesses and families navigate these challenges and build a brighter future.
With over 20 years of experience in Financial Services and a background in the Hospitality industry, we understand the intricate balance between profitability and people. The key to success today lies in attracting and retaining top talent, and it's not just a choice; it's a necessity.
For Business Owners:
Profitability Matters: Recent statistics reveal that 68% of organizations are struggling to fill job vacancies. This talent shortage can hinder growth and impact your bottom line. We specialize in helping businesses boost profitability while attracting and keeping great employees. And the best part? It won't cost your business a dime.
Employee Engagement is Crucial: Disengaged employees cost companies an estimated $550 billion each year due to lost productivity. Our approach emphasizes empathetic leadership and creating a workplace where employees thrive, ultimately driving your business forward.
For Responsible Parents and Individuals:
Protecting Your Family's Future: Our mission extends to families, too. We teach you the 3-Parts of your Family's Financial House, ensuring you protect what matters most. With the right financial strategies, you can save and make money to enjoy your family's well-being.
It's Urgent: The world is changing fast, and businesses and families must adapt to secure their futures. The decisions you make today will impact tomorrow. We're here to guide you, provide up-to-date strategies, and offer compassion and empathy in these challenging times.
Connect with us at CB Finley & Associates and discover how we can help you increase profitability, save money, and attract and retain great employees for your business, all while safeguarding your family's financial future. Contact Carlton B. Finley at [email protected] or call (855) 780-5069. Visit www.meetwithcbfinley.com to learn more.
Don't Wait – Your Success Depends on Action!
Quick bites…
Stay tuned…
Thank you and be safe, see you in two weeks,
Carlton B. Finley | CB Finley & Associates | (248) 796-9419
Attention: Business Owners
"If you've noticed that many of the ideas mentioned in this newsletter do not align with your business's current culture, and you would like assistance in implementing them, would it be worth 15 minutes of your time to learn how to integrate these ideas into your business?"
Schedule your, no-obligation, 15-minute chat with us!