What's your savings ratio?

As much as all of us at Ensphere Marketing Group appreciate the likes, we are in the business of helping our clients grow and manage their money in a cost-effective, tax-efficient manner. We have a short survey for you to complete that will help us assess whether we can help you improve your long-term money management processes.

1) Write down your total savings, including your retirement money. As an example, if you have $300,000 total savings, with only $15,000 outside of retirement plans, you have 95% of your savings in your government sponsored lock up plans. What if you needed a new car? If your savings were 2/3 in retirement plans and 1/3 in after-tax savings, you could easily borrow the money from yourself, amortize the loan over 4-5 years, repay yourself, and do it again many times in the future.

2) The story most of you have swallowed is that you need the tax deduction NOW! We can review your current finances, determine if this program makes sense for your family, present a plan and show you how to implement your own “Freedom Account.”

3) I have included a short video for your review. Watch it, and send me your comments.

4) Send us your ratio of after-tax savings to retirement savings, along with your comments.

5) Click here to enjoy the video.

For more insider tips and videos, remember to visit www.enspheremg.com.

Mike Giffin, Ensphere Marketing Group