Emergency funds are crucial. Don’t let anyone tell you otherwise. When something unexpected happens, having an emergency fund gives you three major benefits: You don’t interrupt your lifestyle — the funds are already prepared. You don’t have to liquidate investments — your growth continues uninterrupted. You don’t go into bad debt — and that’s the most important part.
After working with more than 200 high-income earners, I’ve noticed something important. The people who achieve true financial freedom consistently focus on a few key things, while everyone else gets stuck chasing more income without real progress. At StoneCentury Financial, these are the five critical factors we teach every client to master.
Everyone goes through three stages of wealth: accumulation, distribution, and preservation. The accumulation years are when we’re earning an income and hopefully saving a portion of it...
When most people think about building wealth, they’ve been taught a simple formula: Wealth = Money × Rate × Time - It looks neat on paper, but in practice, this formula can actually limit your potential.
Permanent life insurance builds both offense and defense in financial planning. Protect your wealth, reduce risk, and align money with your goals.
High-performing W2 earners can reduce decision fatigue by automating savings. Learn how automation improves consistency, focus, and financial confidence.
*Disclaimer: Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.