A2Z's 6 Steps To

Financial Security

Most people don't plan to fail...they fail to plan!

STEP 1-Increase Cash Flow

• Increase income/revenue

• Decrease expenses

STEP 2-Proper Protection

Get Proper Life Insurance Protection

("D.I.M.E. Method")

• Death expenses

• Income replacement

• Mortgage balance

• Education expenses

Proper Legal Protection

• Personal

• Business

STEP 3- Emergency Fund

Must have six times your monthly expenses saved up for you and your business

STEP 4-Debt Management and Credit Improvement

• Consolidate bills into one payment

• Build/re-build your personal and business credit by removing negative, outdated, erroneous trade lines legally and adding positive trade lines

STEP 5-Long Term Savings

• Save for down payment on a new home

• Save for current or new business enterprise

• Save for children's education

• Save for retirement

STEP 6-Business and Estate Preservation

• Protect personal and business assets

• Limit or avoid personal and business liabilities

A2Z believes all consumers and businesses,

especially minorities and minority-owned businesses,

should and could have financial security by following