Our Financial Advisors focuses on the preservation of the equity of our clients. As professionals, we focus on concepts of financial planning, making a clear vision for our clients.

We drive an evaluation of your present assets, using variables and indicators that allow us to predict with a certain level of precision their potential preservation and sustainability in the future, focusing on the management of your assets, investment plans, retirement plans, protection of your assets and your legacy.

To do this, we have established a team of qualified and certified professionals in the state of Texas to provide timely and accurate financial advice that allows our valuable clients to realize their future goals, optimizing their resources.

Financial Assets Management: Cash Flow and Liability Management.

In any company, when it is preparing a report of the sales made, as well as the expenses that have been generated, a differential is obtained that allows knowing the obtained profit; while future projection has made, considering the experiences of previous periods. Once is done this first step, we could foresee when it is possible, to make new expenses or investments, if the company requires it.

The foregoing is a projected statement of the cash inflows and outflows in a certain period or also known as cash flow; it has performed in order to know the amount of cash required by the business to operate during a certain period, such as a week, month, quarter, or year.

A frequent problem in micro and small companies is the lack of liquidity to cover immediate needs, so either individuals or companies, are frequently call upon to request short-term and very high-cost loans.

A very simple way to plan and control short- and medium-term resource needs, is to calculate the cash flow of any business.

An effective cash flow allows you to:

• Make the decision of the best short-term investment mechanism when there is a surplus of cash.

• Take the necessary measures to define the funding source when there is a shortage of cash, such as managing the owner’s resources, or, where appropriate, initiating the necessary procedures to obtain loans that cover said shortage and allow the company to continue operating.

• Define when and what amount loans previously purchased must be paid.

• Define when to make significant disbursements of money to keep the company operating.

• How much can be available to pay additional benefits to employees such as bonuses, vacations, distribution of profits, and so on.

• How much cash can be available for personal matters without affecting the normal operation of the company.

Book a free consultation with our team; we could help you manage your cash flow.

Equity Preservation and Sustainability.

As an investor, it is good to know that time is on your side. Because with all that time come many opportunities. Of course, there are also many questions. How will the markets go in the next decade or two? Does the inflation levels will stay low, or will see increase inflation rise to normal levels?

If you are looking for a way to capitalize on all the opportunities that time can provide within your planning, while reducing the impact of some of the unknowns, consider protecting a portion of your retirement assets. Check with our advisors.

Build legacy protection by guaranteeing your loved ones 100% of your initial investment or the most recent restoration value in case the owner dies during the first 18 years of the waiting period; in years 19 and 20, it guarantees 150% of your initial investment or the most recent restart amount.

Our advisors have different tools that will allow our clients to establish an investment plan, even for the realization of their financial goals, or to protect your future assets and at the same time guarantee their sustainability over time.

Investment Planning.

A sound investment strategy is essential to help your money grow and, ideally, outweigh inflation. However, if you are like many people, you may not have the time or inclination to analyze how different investments or securities may fit into your portfolio.

The steps below can help you guide you through the investment planning process:
Before investing your money, it is important to identify and prioritize your financial goals, assess your risk tolerance and understand your investment options. Our financial advisors can help you rank your options and invest appropriately.

Some questions to consider:
For what needs and dreams are you saving? Retirement, a home, education? When will you need the money, you plan to invest now?

What is your risk tolerance? Are you willing to invest in stocks that can rise and fall in value in the short term, but that have the potential to generate higher long-term returns? Alternatively, would you feel better if your money was invested in a more conservative way?

Do you understand how different investment vehicles work (stocks, bonds, mutual funds, real estate, etc.)? In addition, the potential fiscal effects of each one.
Once you have identified your investment objectives, you can begin to create an investment strategy that best suits your lifestyle.

Growth investments
These are more suitable for long term investors that are willing and able to withstand market ups and downs.

Shares
Shares are considered a growth investment as they can help grow the value of your original investment over the medium to long term. If you own shares, you may also receive income from dividends, which are effectively a portion of a company’s profit paid out to its shareholders. Of course, the value of shares may also fall below the price you pay for them. Prices can be volatile from day to day and shares are generally best suited to long term investors, who are comfortable withstanding these ups and downs. Also known as equities, shares have historically delivered higher returns than other assets, shares are considered one of the riskiest types of investment.

Defensive investments
These are more focused on consistently generating income, rather than growth, and are considered lower risk than growth investments.

Cash
Cash investments include everyday bank accounts, high interest savings accounts and term deposits.
They typically carry the lowest potential returns of all the investment types.
While they offer no chance of capital growth, they can deliver regular income and can play an important role in protecting wealth and reducing risk in an investment portfolio.

Fixed interest
The best-known type of fixed interest investments are bonds, which are essentially when governments or companies borrow money from investors and pay them a rate of interest in return.
Bonds are also considered as a defensive investment because they generally offer lower potential returns and lower levels of risk than shares or property.
Contact us and our Financial Professional strategic partners will help you decide what is the best option for your investment.

Real Estate Investments.

Property is also considered as a growth investment because the price of houses and other properties can rise substantially over a medium to long term period. However, just like shares, property can also fall in value and carries the risk of losses.

It is possible to invest directly by buying a property but also indirectly, through a property investment fund. Whether you invest in properties for rent, grow investment, speculating purposes, LUKRUM HUB Real estate strategic partners will guide you for your best interest and equity preservation.

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