Western States Financial & Western States Investments - Corona , CA John Weyhgandt, Financial Coach & Advisor
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Meet John Weyhgandt, Your Personal Wealth Coach

3/16/2015

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I was interviewed a couple of years ago by a Business Coach,           Ja Marr Brown, about coaching your Purpose In Life, Financial Goals and achieving a more secure future!         

If you or anyone you know is looking to prepare for their financial future and fulfilling their American Dream, that we all are striving for, then please reach out to me and let's schedule time to talk.


Watch and share this interview with your friends and family:  https://youtu.be/JWrxMBmTivI

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"How Much Can Poor Credit Really Cost Me?"

8/12/2014

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Plenty.
And if there’s any question about the clarity of that answer, try this on for size: Much, much more than you ever want to pay.

Consider this:
For most of us, the quality of life we experience in our later lives depends upon how well we manage “the margin” now.

What is “the margin”?

The margin is the amount of resources that we can pay forward during our most financially productive years. It’s about setting aside that “margin” of 4% or 6% or 10% or more during seasons when you’re able to earn and accumulate money. Then you manage that “margin” so that, independent of your sweat and work schedule, those dollars are able to multiply and grow into meaningful wealth.
In other words, accomplishing your dreams later in life comes down to making sure you have “left over dollars” NOW, that you invest those “left over dollars” wisely, and that you have time for them to mature and multiply into real wealth.

The real cost of poor credit is this: it robs you of that critical “margin.” It literally eats your quality of life.

How so?

Consider again:

With poor credit, you will likely pay more -- sometimes much more -- for your housing, car loans, car insurance, education loans, cell phone services and elective medical procedures. Furthermore, while prospective employers are barred by law from asking you about your age or sexual orientation or health, they can and will check your credit standing. And, as if all that’s not enough, the stress of credit
issues is often listed among top contributing factors in divorce proceedings. So let’s see...

CLICK HERE TO READ THE ENTIRE NEWSLETTER
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Americans Continue to Face Saving Challenges

3/25/2014

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According to a survey released last month by America Saves and the American Savings Education Council(ASEC), just 35% of Americans feel they are making good or excellent progress in saving money. Nearly two-thirds (63%) say they're making fair or no progress.

However, nearly 7 out of 10 (68%) say they are spending less than they are earning and saving the difference, and 64% report having emergency savings to cover things like unexpected car repairs. More than three-quarters of respondents say they are paying off their consumer debt or living debt-free. Although these numbers are higher than or the same as they were in 2013, they are lower than they were in 2010.

Importantly, the percentage of Americans building their net worth through home equity has declined substantially over the past few years, from 68% in 2010 to 54% this year. And those who expect to live mortgage-free in retirement fell from 78% in 2010 to 68% today.

"Only about one-third of Americans are living within their means and think they are prepared for the long-term financial future," said Stephen Brobeck, executive director of the Consumer Federation of America and a founder of America Saves.

Sharp differences between income levels
Perhaps not surprisingly, those reporting the greatest challenges were in the lowest annual income levels measured. While no stark differences were noted between the $50,000 and $75,000 income level and the $75,000 to $100,000 range, the percentages dropped dramatically in the $25,000 to $50,000 income range.

For example, although more than 8 out of 10 people in the higher income brackets said they had a sufficient emergency fund set aside, just 63% of those in the lower income level said they had enough to cover unexpected emergencies.

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Spending plans and saving goals may make a difference
The survey authors note that one factor that may contribute to the decline is the falling percentage of Americans who say they have savings and spending plans. The percentage who report having a "savings plan with specific goals" fell from 55% in 2010 to 51% in 2014. Those with a spending plan that includes an amount set aside for saving fell from 46% in 2010 to 40% in 2014.

"As numerous studies have shown, those with a plan save much more effectively than those without one," said Dallas Salisbury, chief executive officer of the Employee Benefit Research Institute (EBRI) and chairman of ASEC.

"Individuals continue to become realistic about the need to save and plan themselves, rather than assumeit will be done for them," he continued. Each year in its annual Retirement Confidence Survey, EBRI finds that individuals who set financial goals tend to be more confident about their financial future than those who do not.

About the survey
The 7th annual national survey assessing household saving was released as part of America Saves Week, which took place February 24 to March 1, 2014. America Saves Week is an annual event that brings corporate, government, and nonprofit organizations together to promote good savings behavior. America Saves is managed by the Consumer Federation of America, and the American Savings Education Council is managed by EBRI. Sponsored by these organizations, the survey represented the views of 1,108 adult Americans contacted by phone from January 30 to February 2, 2014.


WSF helps people find money they are currently transferring away unknowingly and unnecessarily. We want you to feel you're making excellent progress with saving for retirement. 

Get out of the 63%! Give us a call today at (951) 371-7608 or email us at john@westernstatesfinancial.net to review your savings strategy!
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Five Ways You Can Find Money

1/30/2014

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Let’s say someone offered you $1,000,000 if you could find a winning design
to build the world’s most efficient car. They’re not looking for the world’s fastest,
most opulent or most exotic; they want power, comfort and maximum efficiency to reach their destination in style.

Two priorities immediately become clear. You need to find a plan that offers (1) exceptional power and (2) maximum efficiency.

Now take the car from that picture, and, in its place, think about your personal finances. To achieve your dreams(financial security, easy retirement, perhaps a get-away home in the mountains) you need (1) to find the cash to power meaningful wealth accumulation and (2) a strategy that eliminates waste and unnecessary losses. You need to re-examine your finances, infuse more cash to jack up your investments, and reduce...

READ THE FULL REPORT
Sincerely,

John Weyhgandt

Financial Advisor

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Seven Lies That Steal Our Retirement Money

11/4/2013

1 Comment

 
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Ever had someone really close to you lie to you? Ever had someone deceive you in such a way that it might take years to recover from the emotional or financial impact of their dishonesty?

What steps would you take to avoid ever falling into that trap again? Would you make a phone call to try to set things straight? Would you venture to trust a third party who might have the wisdom you need to recover your losses safely and efficiently?

In the financial world, very often the most damaging lies are indeed those which we tell ourselves. It’s not that we mean to be dishonest. We simply buy into, bank upon, and often spread untruths that end up crippling our financial prospects and draining life out of our long-term dreams of retirement. To learn about the seven most common myths, untruths and lies that many people believe -- falsehoods which rob them of their retirement wealth, please click on the graphic above or: 

CLICK HERE TO VIEW THE SEVEN LIES!

Sincerely,

John Weyhgandt

Financial Advisor

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Can You Afford to Lose $117,000?

9/16/2013

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Wealth Accumulation for Your Retirement Plan - Corona, CAClick above to view the full report!
Nine out of ten Americans, age 50 to 70 with $100,000 or more in investable or retirement savings, have suffered at least one retirement calamity due to some significant economic or life event that slammed their retirement savings goals! In the end, the accumulated impact of these painful “derailers” cost the average survey respondent a whopping $117,000!

Can You Afford a $117,000 Hit to Your Retirement Plan?

Knowing from the experience of others that this kind of loss 
looms as a strong possibility in your future, will you take steps to side-step such a serious financial body-blow? Will you take steps to protect yourself?

The background information comes from a startling new survey conducted by Ameriprise Financial. The average survey respondent, drawn from a pool of 50-to-70-year-old adults with $100,000 or more in savings, LOST $117,000 to significant financial setbacks -- events which surveyors call “derailers!”

On average, surveyed families had suffered four significant setbacks, and nearly 40 percent had endured five or more “derailers” -- at even greater cost!

Stop and consider this: beyond the dollar figures, each setback carries its own burden of sweat and stress. More than four in ten surveyed say their savings lag behind earlier projections, and 55% describe the cost as “extreme” or “somewhat serious.” If 90% of Americans suffer this kind of loss, is this what YOU want?

CLICK HERE TO VIEW THE FULL REPORT!

Sincerely,

John Weyhgandt

Financial Advisor

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