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Insurance.

How The Government Funded MILLIONS for My Kids Estate

I want to tell you THAT the government funded MILLIONS for my daughters and my future grandchildren.

AND for only $100/month.

AND only $100/month for like 20 years…

Seriously, most people totally don’t believe me, and even when I show them the contracts they still won’t believe me.

They will all say it sounds too good to be true.

But here’s the deal.

The government in Canada gives every child some money every month, regardless of your income. If you don’t need that money to get by, which most probably don’t, then I tell clients to invest it for their children, but not in regular investments.

I used to get $100 every month, now I think it’s like $60 per child, regardless I think most people can save $100 per month per child or at least $50 per month per child. This strategy can work with $50/month or $100/month.

I get why people are so negative and think its a scam, or why it may sound too good to be true. And time the word MILLION gets tossed around, it does sound scammy.

But it’s not. Not if you are investing $100/month over many years, and then leave it for many, many years of compounding tax sheltered (where the government is not taking tax off every year!). Did you not learn about the power of compounding? Do you remember the RULE of 72? Then this will make sense!

And this will even sound crazier to people who don’t understand insurance or have been sold crappy over-priced insurance policies (trust me – they are out there and I see them all time!)

Here’s the BIG DEAL though, and I really want you to consider this if you are wanting to create a real LEGACY for your children and generations to come, or if you want to leave something big behind or change the world and if you want to commit to something and you are OKAY with delayed gratification (okay this last one is HUGE – you gotta be okay with delayed gratification) and with this strategy, you need to NEVER touch these funds, no matter what (and besides they are creditor proof, so even if someone tries to sue you or if you go bankrupt, they can’t touch these funds, so there really is no excuse.)

This strategy works best for babies, or kids 0-5, however, if your kids are under 18, this strategy still works, and you can set these up for your children or if you are a grandma, for your grandchildren! In fact, grandma’s love setting these up for their grandchildren!

There are a few key things with this strategy that I want to share with you which is why you really need to work with an independent advisor, in other words, this strategy won’t work as well with BIG PUBLICALLY TRADED INSURANCE COMPANIES or BANKS – hint hint….. so if you are thinking of working with the BIG BIG companies, this may work, just not in your best interest. And well, here’s the bottom line…

My girls are each going to have over $1,000,000 (minimum $500,000 each guaranteed!) by the time they are 85 (ya, life expectancy) which will probably flow down to my grandchildren.

You see, I have a dream. YUP! I have a dream to see families financially independent in less than 3 or 4 generations! And, guess what, not just financially free, but our kids and grandkids being financially savvy too and smart to be able to grow that wealth and then pass that along for generations to come! It’s a life changer, it becomes generational wealth. And I think it’s pretty awesome.

If you want to learn more about this, and seriously want to teach your kids about money and invest $100 a month for them and change the financial trajectory for your family – you need to contact me.

That’s the bottom line.

I don’t even know why I rarely share this with people. It’s a huge disservice on my end! To the bloody world! And, I need to apologize for not showing up in the world to tell you this. I should have been yelling it from the rooftops for the last 17 years, but I didn’t have the confidence, or was too scared to – SILLY, right?

BECA– USE IT’S HUGE & GENERATIONAL CHANGING!

If you want a quote for your beautiful child or children, give me a shout. Also, just a quick note, this does require your kids to be healthy – yes, that does suck if your child is uninsurable – however, on that note too, I do have some policies for most uninsurable children – depends on the condition. But just to let you know upfront! I’ve been doing this for 17 years and represent every company, and I’ve hunted some of these policies out for my children, so I take this seriously! AND, I really do want to see families create generational wealth – so this I probably take more seriously than most! It’s what my next book and future TED talk are all about…. 😉

THE POWER OF AN INTENTIONAL LEGACY

Start creating yours today! If you want to know where to start, I’m here to help!

xx

Financial.

Discovering Your Financial Values

Do you wander? Do you ever go exploring? I mean seriously?

Do you ever engage your heart with wild crazy adventures?

Yesterday I did.

I was meeting a client a couple hours out of town and on the way home, I decided to go exploring. So, I will often just drive down random roads and see where they lead.

I found a town I had never been in before.

And it was like driving into a country song (I was listening to Strawberry Wine as I rolled into town). It had a general store and a saloon.

It was like this special treasure that I discovered and I like to pretend I’m the only person in the world that knows this place exists.

I’m weird that way. I also love going off alone. It’s kinda my thing because then anything I discover can be mine, all mine {insert evil laugh}.

So weird, yes, I know. (This photo is of some things I’ve discovered on my wandering, including yesterday’s saloon!)

I value wandering.

Wandering, Dancing, Laughing are all things that I value (and I need to do more of!)

We all know the best things in life are free, but then there are the things we value financially, or the things we put our mouth too….. wait that sounded dirty – well, it was meant to sound like… PUT YOUR MONEY WHERE YOUR MOUTH IS! 😉 (Ya, if you are like me I know where your head went!)

And, I think this is a place where most of us live OUT of ALIGNMENT. (Alignment is the place where you are in harmony with your life’s purpose and goals.)

So, let me tell you how I know this. If you were to do a simple review of your expenses and categorize them from what you spend the most money on to what you spend the least money on (after housing – because you probably value a roof over your head), you’ll probably find that you spend the most money on material things, usually a car is the next biggest expense for lots of people.

Chances are that you value your mental & physical health, and your financial health above material possessions, yet most people don’t have enough money at the end of the month to save or to buy the extra healthy veggies or buy the gym pass. Not that I’m saying you need to have any of that, I’m just saying that if you really do value mental, physical, emotional, financial health, you’ll be putting the majority of your money where your values are.

Most people will spend more on a car than they will save for their financial health.

Most people will not buy gym equipment, sports equipment, gym pass for their physical health.

Most people will spend more on decor for their house than they do for emotional or mental health.

Maybe you spend all your money on organic food because you value your body!

I’M DEFINITELY NOT SAYING ANY OF THIS IS BAD or GOOD for that matter!

In fact, let’s be real. No one cares what you spend your money on.

But chances are you are miserable financially if you are not spending money on the things you really value.

For example, if you really do say you value saving money (like a trip or retirement or a new handbag), and then you sabotage yourself, and spend it all, then, ya, you aren’t in alignment, and you will feel MISERABLE and YUCKY!

So, yes, this is a problem we need to address. We need to get you back into FINANCIAL ALIGNMENT! (I could be your financial chiropractor!)

So for you gorgeous person, here are my percentages of what I spend money on because I’m not going to sit here and preach to you and not tell you where I spend my money. So out came my monthly expense sheet for you. Let’s see where this takes me!

  • 21% Properties (& Some Savings, RRSP’s, TFSA, RESP’s etc.)
  • 18% All Insurances (Car, Business, Life, Critical Illness, Disability, Property)
  • 13% Admin (God, I’d be LOST without my admin help!)
  • 10% Office (Rent & Utilities)
  • 9% Houseworker/Nanny (Clean House, Meals Cooked, Laundry Done & Kids Watched!)
  • 9% Groceries
  • 8% Car (Gas and car stuff)
  • 5% Technology (Cell Phone, Computers, Websites, Software, Anything Tech)
  • 4% Life/Business Coaching & Programs
  • 3% Business Licences (Remember all those letters behind my name, they cost money!)

So, let’s see what LISA values:

I value a clean house (like CLEAN!) and NOT having to cook dinner as much as I do eating or spending money on food/groceries!

I value life & business coaching enough to spend more on it than my actual business licenses, and if anything, I would up that category over time until it was about 20-25% of my expenses. YES, you read that right – INVESTING IN YOURSELF is the best thing you can do to GROW and I value that and I do put my money where my mouth is. Already as it is, I spend way more than most people do on self-development and coaching.

The other area I’d increase is money spent on my staff. As I make more, the more they are going to make! I want to pay them the best – like better than any oil and gas company! I want the people who help me build my company to say that they are working their dream job on a dream team! So, yes, I will increase that 13% to 20-30% or more! Same goes for my housework! I value you that more than I currently spend. It’s so nice to come home to dinner on the table and laundry done.

And, well you can clearly see that I value insurance. I have adequate life, critical illness, and disability. Mostly because I sell the stuff, but also because I believe in it, and I see the benefits it brings families! If you have ever seen anyone suffer a sudden death in the family or get diagnosed with a critical illness, then you know that the last thing you want to worry about or have your family worry about is money. Not to mention, I’m building a LEGACY! Yes, some of my insurance is set aside to build one amazing legacy for my children, and grandchildren! You can tell I value you that.

Also, I rarely spend money on myself! Honestly, I spend maybe $200 or less per month on hair, clothes, massages, facials. In other words, I maybe go for one or 2 services a month. So little that it barely makes the list. I also buy myself at least 2 books per month – I’d buy more, but then I would never read them! Those are my splurges! (And I do buy Piano Lessons & Sport for kiddos too – but not like crazy amounts!)

I haven’t added in travel, which I do, mostly on points or I stay for FREE at the hotels of Mom & Dad (luckily they choose to own homes in great places and not in Saskatchewan! Thank you Mom & Dad!)

Obviously, being self-employed and having over 21 sources of income, my income VARIES greatly, so these numbers do vary, but based on my monthly expenses, I’d say pretty accurate.

Hey! Challenge for you! Why not do this exercise and see what you value most? See if it’s in alignment with your purpose, your goals!

It will be interesting to see if you discover anything about yourself. Are you in alignment with what you really value?

I value help and building a legacy & building my business, which is where I spend the majority of my money.

What do you value? Does it feel right to you? Or are you spending money in an area that doesn’t feel good?

xo

 

Coach.

MONEY & SPIRITUALITY

Here’s something that I’ve really been struggling with over the last few years, trying to make sense out of.

MONEY. AND. SPIRITUALITY.

That sounds pretty funny right, because well, I do “MONEY” all day long.

And, well, spirituality, is me in a nutshell. I CRAVE meaning (or making my own meaning – as we all do…), and deep connections with all living things.

Somewhere, somehow, money & spirituality got all mixed up for me. As if they were 2 totally separate unrelated things.

Nothing makes me happier than when I meet someone and we have this deep connection like you’ve been friends forever, or you can bear the deepest part of your soul to them, and well, you just know – it is meant to be. I LOVE these connections. For me, they make life DAMN good. And they happen all the time for me, probably because I’m open to them, AND I literally meet strangers on the street and can have deep mind blowing conversations with them instantly, and get right past the fake shell and down to the heart. BEST. THING. EVER!

So, let me share my dilemma with you.

Long ago, like 4 years ago, I finally got over one of my biggest money blocks, which was that I deserve to make money.

Okay, and I did make money (it felt good), however, there still must be some money blocks there, because I’m still way too happy to give away the farm for free… I’m sure a few of you can relate. Hey, I’m a nurturer (that’s my main money archetype – FYI – more on that another day) so ya, it makes sense that lots of the time I send my clients away with a HUG and not a bill. But, on a spiritual level, I’m totally fulfilled. I know I just FREAKIN’ changed/helped/transform someone’s life, so ya, I’m smiling big, but my bank account isn’t.

So, here I was, finally knowing it was okay to make money and feeling I had money & spirituality figured out at this point! But I’m a seeker (naturally, I’m a life long learner – says the letters behind my name, and growing!), and then came more spiritual books, a constant stream of journaling and examination, energy work, country music in the country (maybe a cigarette – maybe) and a period of deep prayer & searching (not for GOD by the way, I know Jesus is my homeboy – LOL, this was more finding my deep soul rooted connection to source, and finding out how I can stay connected in the way in which I can access abundance all the time – which I will say again for you who don’t feel or believe it. ABUNDANCE IS YOUR BIRTH RIGHT. Okay, you go me now?)

Then, I found that dang PEACE THAT PASSES UNDERSTANDING DOWN IN MY HEART. (yes, peace that you can’t explain at all!) AND HOLY CRAP….

Wanna go for a mental trip up?

I say dang because it messed me ALL UP! I had just kinda got my EGO full blown and wrapped around on this making money thing or at least allowing myself to finally MAKE money because I finally thought “SCREW THIS” if so-and-so could do it or if those UGLY OLD MEN could do it, so could I. (UGLY OLD MEN: See Forbes Global Billionaire List – which I hung on my wall as a reminder that MONEY DOES NOT DISCRIMINATE WHEN IT COMES TO HOW YOU LOOK – most of those old men are NOT ATTRACTIVE, even with BILLIONS of dollars….)

And then in my spiritual journey, I did find deep peace, the peace that none of it really matters. None of the daily stuff, sales targets, what’s for dinner, how clean your house is, really NONE of it really matters. The guy who dies with the most toys is still dead.

And then came the, “What’s the whole point of this? What’s the point of life? What’s the point of literally paying off debt, or saving or making billions, or what’s the point of ANY OF IT?” VIVA LAS VEGAS baby. Live and Let Live. You only live once.

Right, you’ve been there too I imagine. Caught in the balancing act of living for the now and living for the future you….

It really plays with your head. Because once you realize, there is no point to it, and really, life is empty and meaningless, then you can go down that whole depression spiral and be like – WHAT’S THE POINT? And, you can even take it further and yell at God and say, what’s my purpose here? What’s the point of all of this?

And you probably won’t get any answers, well, if you did you probably already wrote a book about it! Because, I’ve worked on this with my life coach, reading books and again more prayer and meditation, and deep, deep conversations with dear friends, and it can really get you into a spin – spinning your wheels going NOWHERE FAST!

So, I was back at square one. Literally, I felt like what’s the point of money?!?! (and this is a problem when my career/business/life is a Financial Planner!) I’m already in the top, say 5% of the world, maybe even 1% when it comes to income or living in Canada or however you want to say that we are super rich and blessed, and I know I’m not going homeless anytime soon, mostly because too many people love me to let me live on the streets or go without food… you get what I’m saying. Yes, my mind can go really dark, really fast. It’s what the brain does. Brains are good at this.

And then, also, there’s the point in life (and maybe many don’t get to that point), but the point where stuff just doesn’t matter, sure don’t get me wrong – I love me some PRIVATE JET & CHAMPAGNE & 5-STAR HOTELS & LOUBOUTINS (funny, just realized I have had all that!), but, I don’t need it. I walked away from everything once, and it was so good for my soul, and to know that you could lose everything, and life would go on, and it would be more than okay! (Talk about freeing your soul!)

Money doesn’t make me feel less or more of a person these days.

Oh, and it used to! I used to feel that money mattered, as in I was only as worthy as was my bank account or my “stuff”. Remember, I had my dream house and 5 (slum) rental properties, with my 2.1 children, and back then I even had a dog, nice trips and cars in the driveway all at age 30! I used to equate my personal self-worth with how much money I was worth!

Are you starting to see my BIG DILEMMA now? I know MONEY does amazing things, I BELIEVE YOU & I can make and have as much money as we want, and I believe GOD/UNIVERSE calls you to that.

Then, on the other hand, I’m still like, what’s the point?! What’s the point of all of this? Seriously, you are dying anyways, why bust your butt? Why do you need to be financially free? Why do you need millions? Why save money? I mean, after all, you could move to Belize and live on the beach, right? Beer is 10 pesos. You don’t need much to survive.

It seems so ironic, doesn’t it?

Remember the story of the fisherman off the coast in Mexico, that was approached by a businessman to turn his fishing into a fish empire, and sell millions of fish, only so he could make millions and get stressed out running a large corporation, all to make more money, save money, to end up spending his remaining retired days, quietly back on his small fishing boat just catching a few fish and living simply?

Here’s my big finish… and it’s GOOD – it’s what you’ve waited 1000 words for…

  1. Money is spiritual. Making loads of money is what you are called to live in abundance – it’s your choice!
  2. You’re gonna die. (I know it still takes people by surprise every day!)
  3. So, YOU HAVE TO KNOW YOUR WHY! You have to know YOUR why… Because no one can answer that for you and so you have to create it for yourself. And life won’t work for you if you are living someone else’s why….

I know my WHY.

This is what I’m looking for, and maybe you can help.

I’m looking to work with the people who’s WHY is that they want to do something BIG. They want to LEAVE THEIR MARK on the world. They want to CREATE, BUILD, and MASTER their LEGACY. They have a DEEP DESIRE to help people, their families, children, future generations. They want to BE the change in the world, not just wait for some “foundation” to come along and rescue the world. They want to be the FOUNDATION. The foundation for their family, for their money, for all the AMAZING GOOD that God put in us, and they want to LET THAT SHINE.

If this makes your soul scream YES and resonates with you, then I want you to be part of my FREE FACEBOOK GROUP, because I’m going live in my facebook group on some SERIOUS DEEP MIND BLOWING (yet simple) FINANCIAL STRATEGIES that you’ll uncover with me to help YOU create, be and have the LEGACY you were put here for.  (So, you have to join the group to see what’s cooking and how YOU can make a difference and CHANGE the world with your gifts!)

CLICK HERE to join if you are ready to STRUT into your LEGACY!

 

Coach.

Building Vibrational Wealth

This is my most favorite selfie of all time.

I remember this moment – the moment I declared myself FREE. Free from everything and anything that ever got on my stage.

What stage?

My stage.

Lately, when I find people get in my head, or the ways in which I should live my life get in my head, I have to remember that it’s my stage, my show and that sometimes (most times!) these extra characters don’t need to be on my stage – if anything, they are annoying evil flying monkeys that buzz around and cut into my space, my thoughts, my life. (I was the WWoftheW in my 5th Grade musical!)

I’ve got GOOD at telling them to shut up and get off the stage. They have no place in my thoughts or mind.

Guard your thoughts, very carefully. Be selective in who you let on your stage.

I say this because there are times in your life, many times actually, when staying in alignment with your purpose, your path, means that you aren’t heading in the same way as what you think society, your best friend, your kids, your partner thinks you should. How ludicrous is it that we allow other people to tell us what is best for us! They aren’t in our mind, heart or body – yet, so many people throw out their opinions for our lives, and we listen – we are good listeners, great followers.

I heard the best quote yesterday while driving, and I’m sorry, I don’t remember who said it!

Truth is a PATHLESS journey.

There are no paths to your truth. You always have to be the one creating that path – and don’t get me wrong – it is easier to listen and follow! It’s easy to be a sheep. It’s so damn hard to cut through that forest with a machete and find your own way. But we all have to do it. To be true, most of us just want the path paved for us.

I know I do. God, that would make my life so easy and simple.

I know my clients want that too. Human behavior is that we always choose the path of least resistance (because it’s paved, and our heels don’t get wrecked on it!), and it leads usually to the wrong place my friends – Take it from a RECOVERING PEOPLE PLEASER!

Yesterday, I had a great day. However, I didn’t make any money. (Yes, this is a real thing in the life of the self-employed/entrepreneur!)

I hate to say there are more days that I don’t make any money than there are days in which I do make money.

In fact, FACT: I have only in the last 204 months in business, I have really only met my goals – the goals I set out for myself THREE TIMES!

Yes, 3 times out of 204 months have I actually made the money I said I was going to make. Holy POOP!

And I haven’t quit.

GEEZ, just realizing that, according to society, would make me a massive failure. According to most “corporate guys” that I know, they’d have fired me long ago – AND THANK GOD! I would never want to be part of their competitive business-in-a-box structure anyways – I BALK at business done with focus only on profits and not on people. (I do know you can have both and in abundance too! Zero-Love companies you can smell a mile away!)

But here’s the truth about yesterday that I wanted to share with you, to encourage you financially.

My job, as a money healer and teacher, is to bring you WEALTH not just financially, but in all areas of your life.

Yesterday, was the BEST day.

I was able to stretch, do my yoga outside on my front porch, get my girls ready for school, go on a 5km walk through the farmer’s field, saw 2 MOOSE (super cool!), spend 3 hours with a brilliant monk (for lack of a better word – he’s like my new spiritual guru and he really is a monk!), where I was able to hang on his every word and discussed spirituality and how we can make the world a better place through our respective businesses, and then I got to serve my sister for the rest of the day and my nieces and nephew and spend some time with them because my sister fell and hurt her knee so bad. I was so blessed I was able to come and help her out and even massage her legs and knees for over an hour while we talked! Then I got to spend an hour in my favorite car, praise God for the gorgeous mountains and countryside as I drove the back roads back to my house.

“I banked pennies in heaven today.” I thought as I kissed my kid’s goodnight.

I put my head on my pillow. It was a GREAT day.

I maybe didn’t make my goal – not even close. I worked for about 1 hour in the morning on paperwork and that was it.

But on a day like yesterday, I could feel my vibrational currency in FULL.

ABUNDANCE. A deep peace knowing that even though I didn’t “make” money, I had all that I needed, plus MILLIONS more.

I help people with money. Sometimes, my job is to sit with my clients, hold their hands and tell them that this isn’t their season for making money, and that’s okay.

Sometimes, we spend seasons of our lives building our vibrational currency through giving of our time, love and compassion.

And, so many people need to hear that it’s OKAY (especially us women!). It’s OKAY to not make money all the time. It’s OKAY to sit with a loved one at the hospital, or raise kids or help out a friend and not be so worried about the BOTTOM LINE all the time.

It’s also OKAY to not contribute to your RRSP or follow the step by step process for building wealth according to all the textbooks. (However, it is important that you have a WILL and proper risk management in place – such as life insurance, disability, and critical illness insurance – THAT IS NO EXC– USE! I said you can be easy on yourself for not saving or making as much money as you’d like – YOU CAN’T BE FLAT OUT STUPID about it! 2 different things! 😉 Said with LOVE! xo)

So, I encourage you to consider all your wealth, and where you are building it at this time, this season of your life. And remember that you don’t have to build material wealth, you can build your vibrational wealth too, both or however you choose to build – JUST BUILD! (And don’t tear down other’s for not building the same way as you!)

On that note, I want to work with the women (and men – for that matter!) that really want to build REAL Wealth – in all areas of their lives, not just the material wealth. The people who resonate with this message, who get that there is abundance in all forms of wealth and want to focus on building that. This is my gift, and I want to share it with you – but only if this is your heart’s desire. I only want to work with clients that really know deep down they are here for more, more than just to serve themselves, but are called to serve on a greater level through business or other ways. I want the people who care more about their money than I do. If that’s you, then pop me a note. I want to buy you a coffee or skype with you and I really want to meet you. Because joining people in a greater mission and purpose with alignment can only result in magic! xo

 

Coach.

For The Matriarchs

This is not your regular Mother’s Day post.

I have more to say than some nice sentimental hallmark card to the mother’s out there.

This is a call to arms for mothers around the world. Almost a ‘KICK IT UP A NOTCH’ post that I dare you to not just read, but implement in your life as a MOM of ANY AGE!

See here’s the thing MOMMIES – You aren’t really playing MOMMY at the level that you need to be. Okay, I’m not for a second saying you aren’t a good mom when it comes to your kids, because, shit, I just let my child watch hours of Netflix and eat a bag of chips, and then probably got all pissy at them as to why the house was a mess. So, I NEVER point fingers. Plus, I know we are all doing our best when it comes to this mess of motherhood.

HOWEVER…today is more about the bigger picture. What I’m talking about today is MOM-SUPERSIZED.

The one role as a mother you may have overlooked or not even really considered for yourself.

THE ROLE OF MATRIARCH.

You aren’t calling yourself/acting like/taking actions like a MATRIARCH.

OKAY, I know what you are thinking. Matriarchs are like old, snotty, wealthy, cricket-playing women and sit on their throne approving arranged marriages, or something like that.

I want to share with you my view of a Matriarch and I really encourage you to consider these words as you play out your days here as a MOM.

This is what I believe a Matriarch is:

A matriarch is full of grace.

A matriarch is patient.

A matriarch grows assets & children.

A matriarch is meticulous and aware of everything happening under her roof. (And doesn’t meddle in the affairs under other roofs!)

A matriarch is wealthy with love and claims her abundance for her and her family and it is given.

A matriarch is involved with the education, resources, and environment for future generations today.

A matriarch gives and receives.

A matriarch is confident, courageous, stead-fast and abundant.

DAMN, where do I sign up?

Historically, patriarchs ran the business (make the money) and the matriarch ran the home business (pay the bills, keep the home running, manage all assets, raise children). At the end of the day, we all know it isn’t 1950 or 1850 – HOWEVER, most moms are making the money, and running the business, and raising the kids, that they leave the “money part” to their partners or let me be frank and tell you what is really happening, THEY DON’T HAVE TIME FOR IT! (Okay, they really don’t make time for it – I see this all the time with my clients! We are worn out MOMMIES these days!)

First of all the reason why it’s so important that MOMS step into the role of financial leadership in the family (or at least know every bloody thing that is happening under their roof, especially where money is concerned) is because men die. No, still true, men still die younger than women and it will be up to the MATRIARCH to efficiently effectively prepare the next few generations that follow her to manage the family dynasty for future generations. Even if the patriarch lasts longer, don’t think for a second that the matriarch’s role in her family is not important, and can be sluffed off to the patriarch.

MEN barely hear us ROAR – especially when it comes to money – they hear us roar about dirty clothes on the floor long before they hear us talk about money! For the record, being a matriarch is not about having power over men or anyone else, it’s about purposeful stewardship of all one’s resources.

Now, the family dynasty could mean anything you want it to mean, like making sure wealth isn’t squandered, or that children are educated properly about how to manage money & resources, or that money is gifted to the community or to a cause, but mostly it means future generations benefit from the stewardship & growth of past generations, as we all have today.

Right now, we seem to be all about feminism, women’s rights, and gender equality these days. However, as a woman, and especially as a MOM, when you try to give that power away or play down your role as a mom or when you don’t fully allow the blessing of motherhood to really sink in and try to be equal to a man, you will fail miserably. YOU WERE CALLED TO BE A MATRIARCH.

And let me be clear, even if you don’t have children yet or never did have children, you are still called to be a MATRIARCH to whatever your soul purpose is – be it caring for animals, a mom to kids without parents, or even to contributing back to your community or people you care about – helping along side cause that stirs your soul. These are equally as important so just because you don’t have kids, doesn’t mean you get to slack off either! Financially or otherwise!

Matriarchs need to FIGHT for the future and on behalf of her dynasty or tribe. (PS. You can define that however, you see fit – there are no rules here!)

These are divine roles you fully have the choice to choose. You don’t have to be a MATRIARCH, you can be a regular old mom or person, die scared, not sure of what’s happening with your money, leave it all to your husband to manage, and basically, give into fear that abundance isn’t really for you or your family. In other words, you can ignore your calling.

It’s okay to act like the QUEEN when you are one.

To all the moms out there, I challenge you this for the remainder of your days.

  1. Claim your title of Matriarch and own that bitch! Declare you are MATRIARCH of your family. Buy a mug or t-shirt with matriarch on it or write it down somewhere – I don’t care how you do it, just make sure everyone knows that you be wearing that crown!
  2. Claim yourself as financial leader of your empire, of your tribe (ps. being a leader doesn’t mean you don’t have partners – leaders NEED partners – husbands, financial planners, accountants or otherwise! And don’t wait around for someone else to take control, this is your job!)
  3. Make it a POINT to think about the next generation when planning your financial affairs (it’s not about you and the side note here is – guess what?! You can’t take it with you when you die….when you plan for your family financially, you will reap the most from it! I guarantee it! Financial blessings and blessings you won’t even dream of, the good stuff God will blow your mind away with!)

FFS, you still don’t have a WILL – do you? You still haven’t bought life insurance or bought life insurance for your children to secure millions for generations to come (for only $50-$100 a month!) And you still haven’t asked me how to do this! (Oh yeah, cause I haven’t told you yet how the government funded millions of dollars for my grandchildren and great-grandchildren – maybe you should ask me about that if you are serious about being a matriarch!!!)

So, my loving moms, stop aiming to be the inside of a HALLMARK card and start claiming your power (financially too!) and living up to the GREATEST ROLE you were CALLED. TO. BE.

MATRIARCH.

 

 

Coach.

Follow Your Gut

Today I’ve literally written about 4 blogs (about 4000 words) to come up with this one.

I’ve had a hard week. Only because I’ve been hard on myself. This is all on me. I have no one else to blame.

I’ve learned some lessons too. I’ve gained some wisdom. And all’s not lost….

I feel sometimes (most times) I get conflicting advice, be it from business books or mentors, or society or mainstream media, whatever it is, I do listen, and I find sometimes I don’t really know which way is up with all these conflicting messages out there in the world.

So, I’m trusting my gut. I have to. I have no other options at this point.

I got tired of trying to play with the BIG BOYS and join their club and bending to their formulas, step-by-step “proven” systems on how to build a business, how to attract clients, and to be quite frank, none of it has worked for me.

That’s because I don’t resonate with inauthenticity. I resonate with heart-centered connections. Fake businesses with their silly ads that put a nice bow around everything and make it seem like life comes in a nice little box with a bow on top – does that really work? I mean it must, obvi, they are making more money than I, but does it really resonate, or is it just fear that people are buying into? I’m sure I can guess.

I don’t want to do fear-based business. (Yet, even my most recent business conference was all about “create fear-based ads and copy”!)

So, once again, I find myself as a lone trailblazer on this path.

And, damn straight that’s how it should be.

You are a trailblazer. No one can live your life for you.

You need to be a lone trailblazer – because anyone who’s in the loop knows that conforming to society doesn’t help anyone out in the long run.

You need to do things YOUR WAY.

With your money. Your business. Your relationships.

Now, you still need mentors/coaches/tools/systems and help, but ultimately, you are at the helm of steering this ship.

We should be doing what is right for us, what works for us, not what works for your neighbour.

If that means investing most of your money in yourself or your business, then do that.

I think this is what I hate so much about the financial industry. There are so many people that think financial planning fits in a box or a step-by-step process.

It doesn’t.

In fact, anybody that knows me well knows I put the LIONS SHARE of my money into my business, and then after that is done, then I make sure that I’m properly insured, saving, etc. But my investing in myself, in my business, in my purpose (which for me is around transforming the financial industry, but could be anything I deem it to be!) has to come first.

And my point here is that whatever your purpose is should be your biggest investment.

Now, I’m not telling you to be stupid with your money, but at some point, you have to stop listening to the NAYSAYERS and trust your gut.

You know intuitively what is going to drive you and your life’s work forward.

By the way, the NAYSAYERS are alive and well and always ready to give their opinions on your business. Tune them out. Sometimes people don’t need to know everything that is going on.

After a total meltdown this week, I stumbled upon yet more wisdom.

Wisdom is knowing when to speak up. Wisdom is knowing when to shut your mouth. Wisdom is knowing that not everybody is ready to hear your message. Wisdom is knowing that you need to guard your dreams/goals/plans and only share them with your true cheerleaders, and the rest on a “need-to-know” basis.

I also wrote out my MANIFESTO!

I think I’ll attach it because, why not. I’m happy to share this with everyone, maybe in hopes that someone wants to join the movement I’m creating (cause I could really use some help right about now – if you want to be a financial advisor, make money by helping me attract new clients/online affiliates, exciting JV opportunities, etc. I’m hiring people who resonate with my message! If it’s not your gig, then all good!)

In my manifesto, I wrote some of my values (and by the way, I did get this idea from one of my mentors, Kat Loterzo, just in case you were wondering).

IT’S BIG & IT’S BOLD.

One that resonates with me on a deep level that I will take with me through my life’s work and while I’m creating this billion-dollar business:

Intuition before Logic

I need not say more.

xo

 

 

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Financial.

Gifts of Money for Grandchildren

Listen up my beautiful Grandmas (& Grandpas)!

Okay, so let’s talk about your smart, amazing, perfect grandchildren. You’ve come to love them, so much, in fact, that you may like them even more than your own children.

So naturally, you want to bless them with money!

Before you do, however, you really need to read this, and think through some of these important questions!

Here are 3 of the most common types of accounts you can set up for your grandchildren: RESP, In Trust and Life Insurance/Critical Illness Policies.

All 3 have different purposes, uses, and tax consequences. It’s important that you know the answers to these questions when setting up these accounts.

So, I’ve put together a list of all the questions you need to answer or get answered when setting up an account for your precious peanut/cutie-pie grandchild

  1. What is the intended use of these funds? Education, New House. It pays to be specific with your grandchildren.
  2. Who owns the policy/account upon your death, in other words, who becomes the trustee for minor children on this account?
  3. What are the yearly tax implications on this investment/account/policy to you?
  4. What are the tax implications of your death on this investment/policy?
  5. What are the tax implications of this account/investment/policy to your grandchild? What gets taxed in their hands?
  6. Do these accounts pass through your estate and go through probate or do they bypass probate?
  7. Do your children/parent of the grandchild have access to these accounts?
  8. If you buy or are considering setting up an RESP, are the parents or other grandparents contributing to these accounts already? You may not want to set up an RESP in that case, or take a good look at contribution limits.

Then all the regular investment questions apply, such as:

  1. Is this investment properly diversified?
  2. How risky is this investment? Risk tolerance?
  3. Time Horizon of this investment?
  4. Expected Return?
  5. Fees?

I’m going to tell you that there are some amazing insurance policies out there that grandparents can buy for their grandchildren for as little as $25 a month. There are some great ways to structure ‘In Trust’ accounts so that all the tax flows through to the child and not the account owner. These are all things you really need an independent financial planner for! (This is one place you do NOT want advice from the banks – you need insurance and tax advice around these issues!) Sure, you can go set up a “bank account” for your grandkids, just know that if you don’t set these up properly – this money may not be getting into your grandchild’s hand.

Good intentions mean NOTHING when it comes to taxes and the law.

Let’s get real here people – no one comes from a “NORMAL” family. (Puh-leeease, even in the first family, Cain killed Abel… so yours is hopefully more functional than that!) There are SO MANY RELATIONSHIPS to consider! Second marriages, step-kids, step-grandkids, you name it. And if you have a legacy to pass down (which you do by the way!) you need to figure out who and how these loved ones are going to get your money, otherwise, without planning, I can bet the people you want to have your money won’t get it. (Not if you have married hot little Sophia in Italy on your death bed and she has 5 kids from Claude the hot Russian, and meanwhile your children and grandchildren could get nothing. THIS IS A REAL THING PEOPLE! Pay close attention!)

Also, tell your grandchildren you are saving for them. Let them know. They will model behaviour. If they see you do it, then they will most likely follow. This is important because maybe their parents aren’t saving for their children or they don’t have the money right now to do so, so showing them online or taking them to the physical bank/financial advisor that you are saving money for them, and that it’s important to save. You could be the only one in their life teaching them these financial principles and modeling that taking care of your money is important. You don’t have to show them how much, just show them that you are taking the action.

Okay, my beautiful grandmas – you getting my message!?! I know most of you grandmas are still young (like 50’s, 60’s, 70’s) and will still be around for many years to come, so this is an important role you play in your grandchild’s life.

Seriously, I love all my grandparents. They all hold a special place in my heart. They all taught me something amazing, be it about love, cooking, money, business, working hard and above all they taught me all about LEGACY. There’s something so special & magical about a grandparent/grandchild relationship!

So, I want to acknowledge the special role all the grandparents play in our lives and our children’s lives. You are important and we need you and we love you!  xoxoxo

Blog.

What I Really Want to Teach My Kids

My 9-year-old baby brought me this yesterday morning in bed.

“Happy Easter Mama! This is you first thing in the morning.” She held out an orange plastic Easter egg, with glue eyes and a crooked smile, with pink tentacles.

There are no words…. and what are those pink scraggly things hanging off the bottom of my replicated egg face, I could only assume were…OMG…

“What are those?”

“No, mommy that’s your hula skirt.”

Thank God!

I breathed a sigh of relief. I’ve spent a fortune on chin hair removal only to have them come back and haunt me by my 9-year-old daughter.

Kids are smarter than they look! Even though I may have evaded my dark chin hairs from a 9-year-old artist (for now), there are some things that won’t elude her.

Like how I talk about money around her.

And then it got me thinking.

What do I really want my kids to know about money? I mean besides being responsible with it, and all the same old stuff we try to teach our kids about money (like give, save, spend wisely), or at least pretend to while we are busy bribing them to shut up so we can watch the latest episode of Scandal on Netflix. (Ya, like you’ve never done that….)

So here are a few things I really want to teach them about money and other stuff in life…. (I guess I should send this list to WINNERS so they can print it on canvas so I can hang it above my toilet to be reminded of it everytime I take a….)

1. Build your dreams first.

Make them first. Make them first priority. Don’t put anything above them. Not religion, not your parents, not thoughts on what society tells you to do. God gave your heart a desire and when you follow that and put it first, everything else will fall into place. When you don’t follow that plan, that desire, you end up in a bad place. Bad jobs, bad relationships, bad choices, BAD. And only bad by your definition, not by others. I mean on the surface you made your family happy, you married the right person, got the right education, got the right job, by societies standards – you are a success. But every day, your soul is yearning for more. And in a good way, you are here for a purpose – make sure to live that purpose, and live it to it’s full. You have a message to share with the world. Build your dreams first, or you will be helping someone else build theirs. Look for the win-win-win-win. It’s always there, even if it’s not showing its face yet.

2. You don’t have to work hard for money, but you do need to create loads of value. Money comes easy.

I’ve been under this presumption most of my life. That money is hard to get, you have to bust your ass 9-5 to get it. You don’t. You just have to create value and the money will follow. Create. Solve other people’s problems. Come up with ideas – lots of them and put it out in the world. The more value you create, the more that will follow. We all are allotted the same 24 hours in a day – so we all have the same opportunity to do what Richard Branson has done.

Years ago, I was listening to “The Strangest Secret” by Earl Nightingale and learned what Earl had to say about money, “Our rewards in life will always be in exact proportion to our service.” He was right. I’ve tried to disprove him in my mind a thousand times. I always look for the value. Doesn’t matter what it is in, whether a YouTube star, oil tycoon or drug lord (yes, Netflix again!) But it really doesn’t matter what you do to make money (I mean it’s your choice, and yes, I’m not talking consequences for your actions at the moment, I’m strictly talking value exchange.) If you create value, you have to be compensated for it in some way or another. It’s an irrefutable law. And like the law of gravity, this law can’t be broken. It always wins, and sometimes you need to learn this for yourself. So, create value and money will follow, if that’s what you want. Which leads me to….

3. Anything you believe you can do, you will do.

Sure, you do need tenacity. But tenacity, and persistence, consistency, and all the other characteristics, like clarity, confidence, and courage, will all flow once your belief is unwavering. You must be unwavering. It must be set in stone in your mind. If there is room for doubt, it will crack you – and just like a small leak which will sink a big ship, it will also sink you (or at least take you longer to reach your goals!). There can be no other conflicting beliefs. They must all align. (Man who chases 2 rabbits catches neither! – Chinese Proverb)

I know the reason I’m not where I want to be – way too much self-doubt! This conflicts with everything I’m trying to build. So, unless I get over that, get over myself, and tell all the people in my head (and in my real world!) to pretty much shut up and not allow negativity to crack my ship, then I will never do anything I believe I can do. Once my belief is a part of me, once I’ve accepted it as truth, and when nothing in this world can shake my belief – it shall be done.

Those are 3 things that I really want my kids to know! What are yours?

What is your message? What do you want to leave behind for your kids or the next generation? What were you put here for? If you are serious about your legacy and want to make sure your message gets out to the world instead of getting lost in transition or unclear intentions, you need to set an appointment with me. And let’s make sure you get this message out there.

 

 

 

Coach.

The What If’s!

Every once in a while I feel like disappearing.

I mean, I want to hop in my car, and never look back. Okay, my life is really not that bad at all – in fact, I’m rather in love with my life right now! But there are times I want to get in my car with my old guitar and a brand new set of strings….. wait that’s a country song.

Okay, so I’ll admit I’m a bit cliché. This really is a photo of my feet (in hot-damn sexy shoes) on the hood of my black sports car. I really do enact county songs on old back roads, but not with beer, and not with whatever else they do in the back of trucks, so my country song would be rather lackluster and go something like this:

She sat by herself on the hood of her car, all by herself, all by herself.

No beer, no cigarette, no hand to hold, just her and the wind and bugs.

At least she has a great pair of shoes on…..da…da…da…

Okay, so it doesn’t rhyme, but you get the picture before I really start to depress myself.

Here’s the thing.

Sometimes, I think we all want to get away. I mean, really get away from it all. We maybe wonder what our life would be like if we had chosen a different life path. What if we had moved to Tegucigalpa or Toledo? Or dated Bruno from the high school football team? Or married the banker? Or lived in Germany permanently? What if we had one more child? Or one less child? Or won the lottery that you really knew was yours to win? Or if I was hot and skinny? (cough)

Sometimes “what if’s” can spin both ways. They can make you incredibly thankful (like you are soooo glad you didn’t marry Bruno) or they can also put you in a funk REALLY fast (like when your neighbour won the lottery instead and stole your wife, your dog and your chickens too!)

Especially when you start considering your financial “what if’s”.

My biggest what if lately is what my life would be like if I didn’t have this financial albatross around my neck in the form of crappy rental properties that I’ve had for 10-years already. Long story, which I will save for another time.

However, here’s the deal with “what if’s” – they really don’t serve us – at all!

“What if’s” can paralyze us, keep us dreaming and not in action towards our real goals, and keep us stuck in the past.

“What if’s” can really make us feel sorry for ourselves – another useless emotion.

Anything that keeps us from taking action on our goals, dreams, plans, is completely useless to us.

Where do you find yourself tossing around the “what if’s” in your head right now? Use that as a clue to what your dreams are! Use that as an indicator to what your next steps, your actions should be!

For example, if you find yourself thinking, “What if we had this debt paid off?” or “What if we had money to buy that boat?” Then use your “what if” to make a plan to pay off your debt, or save money for that boat, and then go to work on that plan. Set the intention and get to work on it!

“What if’s” usually are the things that really stir your soul!

You don’t go around wondering, “What if I went grocery shopping right now?” If you need groceries, you just go and get them. It’s not something that stirs your soul and probably doesn’t cause you to sit and ponder it on the hood of your car (in sexy stilettos) in the country. No, only deep, important, soul-stirring things will cause you to go out to the country and sit inside a depressing country music song.

So, next time you are caught in your “what if’s”, use them to your benefit to figure out what’s really important to you! (And be thankful you didn’t marry Bruno!)

 

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