Additional information
by John E. Moriarty (Author)
Habits are the key to financial success. It doesn't matter how much money you make, save, inherit, or receive if you don't have the simple habits of saving first and spending less money than you have available. Otherwise, your financial picture could be in jeopardy. Utilization strategies are seldom a topic financial professionals educate their clients about when discussing their financial pictures. Our industry is usually zeroed in on investment conversations and the majority of financial vehicles that exist in the marketplace today revolve around a risk/return mindset. The thinking is that in order to achieve higher returns, an investor must be prepared to take on more risk in their financial picture. Our focus with utilization strategies centers around four main questions concerning a client's cash flow awareness: - What is the purpose of your money? To Invest or Spend? - What is the time horizon for each purpose? Long Term or Short Term? - Are their specific risks you would like to minimize over that time frame? - Where do you currently store your savings? Getting answers to these questions allows the financial professional to act as an advocate for their clients' best interests. Ultimately, we aim to teach our clients to simply discover what dollars are flowing into your control and what dollars are flowing out of your control. Then, strategize so more money flows into your control. The end result will be more money for you to retain and utilize during your lifetime and more money for future generations. Through extensive research and a broad knowledge base on different financial institutions, we believe there are specific types of life insurance companies that offer specific types of life insurance contracts with certain beneficial features to a conservative saver. A highly trained financial professional can use these contracts to offer a conservative saver a tremendous alternative to traditional banking methods. Please understand that we are not actually creating a real bank for our clients or communicating that life insurance companies are the same as a bank. Rather we are attempting to design a financial vehicle that can mimic certain banking functions in one's personal/business economy - like financing big ticket purchases and controlling where your cash flow is stored.
Author Biography
John E. Moriarty has been an entrepreneur in the financial services industry since 1995. John is the founder and president of e3 ConsultantsGROUP, a holding company that is made up of three separate and distinct businesses: e3 Wealth, e3 Tax, and e3 Marketing. To learn more specifics about each business, visit John's LinkedIn profile at https: //www.linkedin.com/pub/john-moriarty-chfc/1/92/ab9 . John is an investment advisor representative in the State of Missouri and is a designated Chartered Financial Consultant (ChFC). He holds several securities industry exams including the Series 7, 22, 24, 63 and 65 registrations. In addition, John is an Office of Supervisory Jurisdiction (OSJ) Manager, and a licensed life insurance advisor in numerous states. John graduated summa cum laude as the top finance student at Saint Louis University with a BSBA in Finance (Class of '96) while also pitching for SLU's baseball team and being named the school's Male Senior Student-Athlete. John also attended St. Louis University High School (Class of '92), an all-boy Jesuit institution focused on teaching each student how to be a man for others. He is a member of several financial service organizations, including the Financial Planning Association (FPA), National Association of Insurance and Financial Advisors (NAIFA) and the Society of Financial Services Professionals. John is also a member of the Entrepreneur Organization (EO) - St. Louis Chapter which brings local entrepreneurs together to improve their business models. Educating the public is essential in today's economy, so John hosts a weekly radio show called "Maximize Your Money" that can be heard every Saturday 2:00-3:00pm on KFTK 97.1 FM in St. Louis, MO. Born and raised in St. Louis, John currently resides in Webster Groves, MO with his family. Growing up in baseball heaven has made the entire family huge St. Louis Cardinal fans and in his free time, John is an avid golfer as well as a wine and cigar enthusiast. If you would like to contact John directly, you can do so in the following manner: e3 ConsultantsGROUP 10825 Watson Road, Suite 100 Sunset Hills, MO 63127 Office: 314.822.4440 and Email: jmoriarty@e3wealth.com www.e3wealth.com
