Broker Check

1150 Raritan Road
Suite 201
Cranford, NJ 07016

Michael Schwartz

(908) 709-0020 x120

 

Client Intention Statement

Purpose:

  • Achieve financial security, success, and freedom by:
    • Co-creating your maximum wealth potential
    • Protecting your economy from threats, risks, and eroding factors
    • Having a vision and strategy based in scientific economic principles

Principles:

  • Steps to wealth success and creating optimal personal economy:
    • Maximum wealth protection in all areas at minimum cost
    • Save 20-30% of gross income every year, in the right places
    • Optimize liquidity to meet financial commitments
    • Manage debt properly
    • Build safe/protected money, and capital growth assets
  • Macroeconomic organization and balance of your personal economy (Living Balance Sheet®)

 

Promises:

  • All recommendations designed to achieve your personal objectives and goals
  • All recommendations made with minimal change to your: personal cash flow, lifestyle, ability to save; Will only enhance your future financial outcome
  • Scientific approach: strategies verified by fact, not opinion
  • Plan works under all foreseeable circumstances


Confidentiality, Shared Commitment and Transparency:

  • Confidentiality agreement:
    • All conversations, information, and data is confidential, protected, and secured
    • Intellectual property—permission to share with others
  • Dual commitment: Our work is only as strong as your follow-through; Better health with wealth requires action
    • Our commitment to your success:
      • Make everything as easy as possible for you—just be present for meetings
      • Oversee all parts of your planning
      • Team approach and coordination (My team and your team; specialists)
      • Ongoing service
    • Requires your commitment to yourself:
      • Mutual 100% level of care for your financial success
      • Open communication: honesty, questions, and updates
      • Coachable, open-minded, responsible, willing to follow expert advice
    • In order to avoid charging a fee, if you understand and approve of the strategies we discuss, trust you to implement the recommendations through us
    • Full transparency—my family’s Living Balance Sheet® is open for you to view

 

Empowering Others:

  • My “why”—Most people get no, little, or terrible advice and are woefully underprepared for their future; Professional mission is to create maximum value for as many people’s financial objectives and success
  • “Pay it forward”—if you find value in our work, would you be open to sharing your experience with the most successful people you know and care about?

The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2020 Guardian.