hello clients, prospective clients, and business alliance members. humans generally strive to enjoy life through mutual respect, understanding, interpersonal relationships, and community cohesiveness. when searching for an advisor, you should seek out independent mindsets providing a user-defined client experience.
pursue a qualitatively measurable experience that makes you feel emotionally fulfilled yet also accomplishes your objectives. some professional commentators may say that you should solely concern yourself with just asset yield; however, you deserve emotionally connected concierge service that makes you feel valued with your own human and financial capital.
how can you seek out a pleasurable client / provider experience that provides quality measurable results? breaking your search down into components will leverage your choosing experience.
first and foremost, you should clearly have a hand in your experience's design. your advisory provider must either create or provide you with a malleable concierge client ecosystem. the service provider should consider the following suggestions:
a) invite your clients within your professional hosting + email system
valued clients should have real time access to their retainer hour balances, their meeting notes, and all important recorded information. complete information transparency and symmetry will alleviate misunderstanding and boost overall relationship productivity. imagine editing notes to provide more clarity and understanding as well as type in suggested ideas.
your clients should also have their own email address within your system. keeping emails within the same email server exchange will provide tight system architectural integrity. you can balance security as desired in this area without defeating concierge service expectations.
you may also think about building your most profitable relationships with their own website address in your webpage. this service may appear excessive, but your decision depends on how much you value the relationship above and beyond financial investment.
your investment will reap dividends beyond your primary relationships through building your reputation capital. reputation capital management drives our future.
b) invite your clients within your seminar space and media production
your clients drive your reputation capital process, so you should embrace the capital management process with their time and talents. directing and coordinating their energy with your organizational energy and your ambition provides meaningful purpose.
imagine inviting valuable clients to a local seminar addressing prospective client needs. you can directly control your presentation style, knowledge, and demeanor; but, your clients may also create emotional connections with your prospective clients, reinforcing your reputation capital.
you could also co-publish blog entries with valuable clients and tie them not only into online testimonials but into future search results. as an example, you could work out an amenable arrangement with a client whose primary industry involves your target market. your client's professional network will begin creating a mental association with your client and a user-defined client experience through search engines.
search engines have become our collective mental imagery assimilator. use it wisely and create a meaningful emotional connection!
c) create an open-source smartphone application
depending on your user-defined client experience ambitions, you could enhance your service platform with an open-source smartphone application. your user-defined client experience does not have to stop at geographic borders. finding an existing program may help in the short run but denies a sustainable custom tailored client experience.
how may you build an open-source smartphone application? why would you build one? you may have additional prudent questions, but we can narrow down our discussion to those two.
building your own independent practice's smartphone application will require connecting with programming talent. you do not need to fund it all with your funding if you do not mind sharing architectural resources; most importantly, enterprising programming clients may share your vision in providing a meaningful, disruptive technology platform.
you would build your own open-source smartphone application to control your user-defined client experience. relegating your client's experience to existing technology platforms compromises sustainable user-definition. imagine your brand equity possibilities!
d) build a non-employer pension plan
pension plans must constantly balance future asset / liability responsibilities. traditionally, this concept has revolved around employer-based environments, showing obvious deficiencies for the entrepreneurial merchant class. why do you have to work for a bureaucracy to manage your future income and healthcare expenses?
imagine creating a pension trust fund that addresses outliving income and uninsured healthcare expenses without requiring employer participation. many pensions manage the income aspect relatively well; however, few pension funds have desired to take on managing the uninsured healthcare expenses, which remains shameful.
for instance, employer group medical insurance currently covers maternity care while individual plan participants lack this critical coverage. mothers will continue bringing our children into this consciousness, and we must protect ourselves from healthcare exclusion. we can play that game though and succeed triumphantly!
since the medical insurance industry provides rich group protection, marginalizing the individual plan, you should team up with your clients. your clients and you have your own needs, and with proper examination, you will find similar challenges. why not approach your collective challenges together and create a purchasing cooperative?
the purchasing cooperative based on mutual interest and need will drive the medical insurance market soon. your advisory practice should adjust tack or force a new one within your own control.
our future commercial endeavors will involve technological improvement constantly pushing the client experience envelope. your independent practice should participate in the disruption if it improves your client's user-defined concierge experience.
you can count on my professional judgment, my resource access, and my practical counsel. enjoy a meaningful day!
Thursday, May 10, 2012
Monday, April 30, 2012
business exit strategy = creating liquidity events
hello clients, prospective clients, and business alliance members. many individuals know that owning and operating a business entails significant emotional, psychological, and financial risk exposure but clearly offers profound upside. entrepreneurs whom triumph accomplish a feat that most people do not do in a lifetime: not just one but many lifetimes.
savvy entrepreneurs put their human, resource, and financial capital at risk daily. who desires eternally working away on the same project with so much at stake? shrewd human capital creates multiple liquidity events from mental framing and perception as well as diversifying cash flows.
...frame dialogue and perceive your enterprise's value to a financial instrument...set aside emotions...create value based on fundamental quantitative and qualitative asset-liability driven analysis....plow your liquidity events into enterprises with personal control...people, planet, profits...judiciously own the cash flow source...
with that idea in mind, why over-allocate your profit to a stock, a commodity market, or other financial instrument controlled by exogenous variables? you should balance your asset / liability risk profile towards investments that create substantial value and permit more personal control. these investments generally include personally invested projects.
yes, we must all invest in financial instruments that do not always allow personal control; however, you can choose to create value with more personal control, rather than follow asset price trends.
a successful entrepreneur who declined to take on retainer services owns a printer service business. she remained adamant that she did not want to rely on her business for retirement. her viewpoint remains her own but did not recognize that her business serves her personal interests like any other financial instrument.
ironically, her business financial instrument serves her interests exclusively, rather than the stock market diet fed by her advisors. she ultimately has no control over pfizer's business decisions, unless she purchases a large enough stake to warrant control. we could do better looking elsewhere.
as a counter example, an entrepreneur client owns liquid petroleum working interests. she liquidated profitable liquid petroleum properties and generated a significant liquidity event. her liquidity event could finance diversification into natural gas mineral interests and more exciting investments.
she considered natural gas mineral rights' investments as a core investment. the domestic natural gas boom has generated significant excess supply and has depressed commodity prices. excess natural gas supply may potentially drive future energy production, possibly eclipsing liquid petroleum's current relevance.
when oil spikes from a pan-middle eastern conflict between america and china, technological innovators will act and create future opportunities. technological innovators may capitalize on domestic american natural gas supply and create many new industry offshoots. remember the whaling industry and the 1860's!
the whaling industry thrived for many years but became obsolete to liquid petroleum in the 1860's almost overnight, supplanted by technological innovation. it remains arrogant to think that the world will depend on liquid petroleum forever; moreover, that mindset forgets technological innovation and resulting technological obsolescence.
her future investment road-map has potential hazards, but she can exercise control over her natural gas extraction and production process. she feels confident about natural gas' future and also desires investing in converting unleaded gasoline vehicles to natural gas liquids. the ultimate vision involves owning fueling stations that cater to vehicles running on liquid natural gas.
...she is a true vision carrier, but she does not stop there!
her business exit strategy will create not only future business opportunities but most critically create her family legacy and fund her pension. she desires profitable investment projects that generate impact, not focused on the here and now. we tirelessly work on extending her vision far beyond her own lifetime.
she desires to improve the quality and standard of human life through the following work projects:
a) a landlord realty fund
she has always held ambitions to buy and hold real estate that generates consistent cash flows. managing real estate properties carries continuing maintenance investments, but who does not want to earn passive income? this investment strategy will provide ownership opportunities for her great-great grandchildren and help fund her own pension.
her ultimate dream involves owning mixed-use properties that house organic grocery stores, advanced training schools, efficient apartments, and health clinics. this dream will create a sense of community and generate tidy profits as well, if run ethically and maintained well.
b) a health insurance cooperative
she desires to obtain meaningful health insurance coverage without the obscenely inefficient and heartless bureaucratic health machines. with her vision in place, we discuss strategies to invest a portion of her roth ira into a for-profit health insurance trust fund. gathering additional investors takes effort, but who does not want to obtain health insurance coverage and control the process?
her efforts will also pay a bonus by creating coverage opportunities for trust participants. her legacy will also have tax-free upside as well.
c) an urban garden based on community supported agriculture principles
her passionate idea about beginning an urban garden and establishing a community supported agriculture (csa) resonates well in our collective future. many nonprofit organizations, private businesses, and local restaurants have begun taking an interest in her idea. she joined up with several other friends and business allies, providing space, seed, and other critical inputs.
who does not want access to reliable, clean food and water? this investment will positively impact many, many unborn generations if built with sustainability in mind.
d) a local solar array
we have begun discussing an investment strategy that allocates roth ira proceeds into funding a local solar array. the local solar array will not only provide cost effective, reliable, and consistent energy to adjoining households; most importantly, the grid will also power local businesses, the urban garden, and the csa storefront.
who does not want to fund an electric utility and control its profits? she can also potentially create a vast source of tax-free funding for her pension and beneficiaries down the road.
conclusively, when you tie up emotional energy in a business enterprise, you may close off future options. the entrepreneurial oil producer client could have easily said no to expanding her investment footprint and impact. in fact, many do say no...as well as hell no and stick to just one plan.
however, when you can extricate emotions from your core enterprise, you have taken a step forward. you should not rely on one business line in perpetuity with no ownership changes. creating liquidity events amplifies your personal impact, your legacy, and your pension power.
few clients desire working on one project until death. taking into account humanity, clarity, and courage, we can embark as leaderless leaders and create a new destiny on our planet.
encourage a discussion with your tax and investment advisory team about some of these ideas. talk to you all soon and enjoy a meaningful day!
savvy entrepreneurs put their human, resource, and financial capital at risk daily. who desires eternally working away on the same project with so much at stake? shrewd human capital creates multiple liquidity events from mental framing and perception as well as diversifying cash flows.
...frame dialogue and perceive your enterprise's value to a financial instrument...set aside emotions...create value based on fundamental quantitative and qualitative asset-liability driven analysis....plow your liquidity events into enterprises with personal control...people, planet, profits...judiciously own the cash flow source...
with that idea in mind, why over-allocate your profit to a stock, a commodity market, or other financial instrument controlled by exogenous variables? you should balance your asset / liability risk profile towards investments that create substantial value and permit more personal control. these investments generally include personally invested projects.
yes, we must all invest in financial instruments that do not always allow personal control; however, you can choose to create value with more personal control, rather than follow asset price trends.
a successful entrepreneur who declined to take on retainer services owns a printer service business. she remained adamant that she did not want to rely on her business for retirement. her viewpoint remains her own but did not recognize that her business serves her personal interests like any other financial instrument.
ironically, her business financial instrument serves her interests exclusively, rather than the stock market diet fed by her advisors. she ultimately has no control over pfizer's business decisions, unless she purchases a large enough stake to warrant control. we could do better looking elsewhere.
as a counter example, an entrepreneur client owns liquid petroleum working interests. she liquidated profitable liquid petroleum properties and generated a significant liquidity event. her liquidity event could finance diversification into natural gas mineral interests and more exciting investments.
she considered natural gas mineral rights' investments as a core investment. the domestic natural gas boom has generated significant excess supply and has depressed commodity prices. excess natural gas supply may potentially drive future energy production, possibly eclipsing liquid petroleum's current relevance.
when oil spikes from a pan-middle eastern conflict between america and china, technological innovators will act and create future opportunities. technological innovators may capitalize on domestic american natural gas supply and create many new industry offshoots. remember the whaling industry and the 1860's!
the whaling industry thrived for many years but became obsolete to liquid petroleum in the 1860's almost overnight, supplanted by technological innovation. it remains arrogant to think that the world will depend on liquid petroleum forever; moreover, that mindset forgets technological innovation and resulting technological obsolescence.
her future investment road-map has potential hazards, but she can exercise control over her natural gas extraction and production process. she feels confident about natural gas' future and also desires investing in converting unleaded gasoline vehicles to natural gas liquids. the ultimate vision involves owning fueling stations that cater to vehicles running on liquid natural gas.
...she is a true vision carrier, but she does not stop there!
her business exit strategy will create not only future business opportunities but most critically create her family legacy and fund her pension. she desires profitable investment projects that generate impact, not focused on the here and now. we tirelessly work on extending her vision far beyond her own lifetime.
she desires to improve the quality and standard of human life through the following work projects:
a) a landlord realty fund
she has always held ambitions to buy and hold real estate that generates consistent cash flows. managing real estate properties carries continuing maintenance investments, but who does not want to earn passive income? this investment strategy will provide ownership opportunities for her great-great grandchildren and help fund her own pension.
her ultimate dream involves owning mixed-use properties that house organic grocery stores, advanced training schools, efficient apartments, and health clinics. this dream will create a sense of community and generate tidy profits as well, if run ethically and maintained well.
b) a health insurance cooperative
she desires to obtain meaningful health insurance coverage without the obscenely inefficient and heartless bureaucratic health machines. with her vision in place, we discuss strategies to invest a portion of her roth ira into a for-profit health insurance trust fund. gathering additional investors takes effort, but who does not want to obtain health insurance coverage and control the process?
her efforts will also pay a bonus by creating coverage opportunities for trust participants. her legacy will also have tax-free upside as well.
c) an urban garden based on community supported agriculture principles
her passionate idea about beginning an urban garden and establishing a community supported agriculture (csa) resonates well in our collective future. many nonprofit organizations, private businesses, and local restaurants have begun taking an interest in her idea. she joined up with several other friends and business allies, providing space, seed, and other critical inputs.
who does not want access to reliable, clean food and water? this investment will positively impact many, many unborn generations if built with sustainability in mind.
d) a local solar array
we have begun discussing an investment strategy that allocates roth ira proceeds into funding a local solar array. the local solar array will not only provide cost effective, reliable, and consistent energy to adjoining households; most importantly, the grid will also power local businesses, the urban garden, and the csa storefront.
who does not want to fund an electric utility and control its profits? she can also potentially create a vast source of tax-free funding for her pension and beneficiaries down the road.
conclusively, when you tie up emotional energy in a business enterprise, you may close off future options. the entrepreneurial oil producer client could have easily said no to expanding her investment footprint and impact. in fact, many do say no...as well as hell no and stick to just one plan.
however, when you can extricate emotions from your core enterprise, you have taken a step forward. you should not rely on one business line in perpetuity with no ownership changes. creating liquidity events amplifies your personal impact, your legacy, and your pension power.
few clients desire working on one project until death. taking into account humanity, clarity, and courage, we can embark as leaderless leaders and create a new destiny on our planet.
encourage a discussion with your tax and investment advisory team about some of these ideas. talk to you all soon and enjoy a meaningful day!
Wednesday, April 18, 2012
your role as an individual within the broader community
hello clients, prospective clients, and business alliance members. your role as an individual within our broader community remains sacrosanct but adherent to the next 200 generations. we must respect human free will and facilitate real wealth opportunities for all.
...free from plutocratic goons and enforcers, fabricated wars, engineered financial panics, and rapacious tax and property thievery...
we must unify our positive efforts, adapt our social-psychological consciousness, and create a more equitable economic reality. creating equity does not require military force or building obtuse bureaucratic black-holes; rather, creating leaderless leaders with unforced social cohesion adjusts our economic reality.
you may rightfully ask, how do you create leaderless leaders without forcing social cohesion and fighting collective mindsets? you should carefully follow the anonymous social-psychological movement. its wise critics would even venture that even the most tenacious, totalitarian secret police enforcers cannot find its leaderless leaders.
why cannot secret policeman or its plutocratic backers knife the leaderless leaders or subdue its ideology? based on 10,000 years ago of human civilization, many empires have come and gone through that time. those empires have always over-relied on totalitarian policy and secret police enforcers, leading to their ultimate demise.
many times, empires have become entangled with leaderless leaders, such as the romans trying to crush the christians and its jesus ideology. christianity continues a long shelf-life and remains relevant far beyond the roman empire. global plutocrats should heed the analogy!
look at the current crusade between the christians and their muslim brothers with its leading leaders. both sides have remained locked in vicious combat over the last millennium with many engineered martyrs. ironically, futilely, and yes, mind numbingly tragic, both brothers kill over shared paternal unconditional love and affection.
in that vein, the military- and prison-industrial complex must stop feeding death through religion and politics, veiling its greedy blood lust. imperial warfare has always caused inflation and economic collapse, just ask the early kings shaving gold coins after roman gaul's collapse; moreover, it cruelly and continually murders our innocent children, our seeds.
you will always create a martyr when you silence someone over their belief system or desire conquest. leaderless leaders do not need bloodshed on an altar. reason and civility work fine, right?
although the club of rome appears associated with eugenics, a deplorable practice, it created an extremely thoughtful idea. it states, "...economic planning for the future must take into account the carrying capacity of the planet." social entrepreneurship affects consumption by focusing on people and planet rather than exclusively on profit.
why forward your 3.5% of net-profit, 10% of revenue, or even your taxes to fund reigns of terror and a politician's favorite military contractor? we can stop fear through ethical commerce.
focusing your mind on people, planet, and profit, in that order, demands restraint and judicious actions. you must know not only how to reap but also how to sow.
remember the camel passing through a needle. you have to stop seeking out profit since you cannot take it with you beyond this consciousness.
creating elective healthcare and education cooperatives will satisfy our health and emotional well-being. we must teach our children to think and feel empathy. an antiquated industrial revolution mindset does not create an equitable economic reality!
meditation and tapping into the collective unconsciousness will create vision carriers, ultimately true servant leaderless leaders. how can our children navigate treachery without learning how to think and feel empathy? we must teach them emotional intelligence, sustaining the role of your individual within a broader community.
our collective demand involves improving human capital through releasing paternalistic control, adopting unfettered and transparent communication, and pouring salt over bureaucracy. we must expand our networks and commercial connections beyond pure profit motive.
both enlightened western and eastern thought converge towards "live and let live" and "your rights end where mine begin..." a person cannot truly connect with more advanced thinking when focused purely on a profit, something that demands unquestioning obedience. unquestioning obedience that may demand actions beyond ethical reasoning...just ask the toddlers murdered by syrian troops and our collective soviet cold war legacy.
you must define and recreate your own reality not through some other person's dream but through your own dream. remove an entitlement mentality, not within a narrow political sense, but across socioeconomic boundaries; most importantly, stop socializing risk and privatizing ill-gained profit.
we must create a production focus, not just taking and not based on uncivil consumption. stop the fear and free our children!
...free from plutocratic goons and enforcers, fabricated wars, engineered financial panics, and rapacious tax and property thievery...
we must unify our positive efforts, adapt our social-psychological consciousness, and create a more equitable economic reality. creating equity does not require military force or building obtuse bureaucratic black-holes; rather, creating leaderless leaders with unforced social cohesion adjusts our economic reality.
you may rightfully ask, how do you create leaderless leaders without forcing social cohesion and fighting collective mindsets? you should carefully follow the anonymous social-psychological movement. its wise critics would even venture that even the most tenacious, totalitarian secret police enforcers cannot find its leaderless leaders.
why cannot secret policeman or its plutocratic backers knife the leaderless leaders or subdue its ideology? based on 10,000 years ago of human civilization, many empires have come and gone through that time. those empires have always over-relied on totalitarian policy and secret police enforcers, leading to their ultimate demise.
many times, empires have become entangled with leaderless leaders, such as the romans trying to crush the christians and its jesus ideology. christianity continues a long shelf-life and remains relevant far beyond the roman empire. global plutocrats should heed the analogy!
look at the current crusade between the christians and their muslim brothers with its leading leaders. both sides have remained locked in vicious combat over the last millennium with many engineered martyrs. ironically, futilely, and yes, mind numbingly tragic, both brothers kill over shared paternal unconditional love and affection.
in that vein, the military- and prison-industrial complex must stop feeding death through religion and politics, veiling its greedy blood lust. imperial warfare has always caused inflation and economic collapse, just ask the early kings shaving gold coins after roman gaul's collapse; moreover, it cruelly and continually murders our innocent children, our seeds.
you will always create a martyr when you silence someone over their belief system or desire conquest. leaderless leaders do not need bloodshed on an altar. reason and civility work fine, right?
although the club of rome appears associated with eugenics, a deplorable practice, it created an extremely thoughtful idea. it states, "...economic planning for the future must take into account the carrying capacity of the planet." social entrepreneurship affects consumption by focusing on people and planet rather than exclusively on profit.
why forward your 3.5% of net-profit, 10% of revenue, or even your taxes to fund reigns of terror and a politician's favorite military contractor? we can stop fear through ethical commerce.
focusing your mind on people, planet, and profit, in that order, demands restraint and judicious actions. you must know not only how to reap but also how to sow.
remember the camel passing through a needle. you have to stop seeking out profit since you cannot take it with you beyond this consciousness.
creating elective healthcare and education cooperatives will satisfy our health and emotional well-being. we must teach our children to think and feel empathy. an antiquated industrial revolution mindset does not create an equitable economic reality!
meditation and tapping into the collective unconsciousness will create vision carriers, ultimately true servant leaderless leaders. how can our children navigate treachery without learning how to think and feel empathy? we must teach them emotional intelligence, sustaining the role of your individual within a broader community.
our collective demand involves improving human capital through releasing paternalistic control, adopting unfettered and transparent communication, and pouring salt over bureaucracy. we must expand our networks and commercial connections beyond pure profit motive.
both enlightened western and eastern thought converge towards "live and let live" and "your rights end where mine begin..." a person cannot truly connect with more advanced thinking when focused purely on a profit, something that demands unquestioning obedience. unquestioning obedience that may demand actions beyond ethical reasoning...just ask the toddlers murdered by syrian troops and our collective soviet cold war legacy.
you must define and recreate your own reality not through some other person's dream but through your own dream. remove an entitlement mentality, not within a narrow political sense, but across socioeconomic boundaries; most importantly, stop socializing risk and privatizing ill-gained profit.
we must create a production focus, not just taking and not based on uncivil consumption. stop the fear and free our children!
Monday, March 26, 2012
independent oil / gas entrepreneur case study
hello clients, prospective clients, and business alliance members. throughout my time investigating the independent oil / gas market in midland, it appears that some psychological barriers have become breached again. our community has truly embraced the boom with telltale signs:
meeting with a middle age fellow, say fred fellows, over time revealed a common asset / liability management strategy. fred's strategy involved stacking chips fully deep into working interests. although he created significant profits with some equally gripping losses, his risk profile appeared imbalanced towards asset yield.
once fred and his retained financial counsel blueprinted his exit strategy, they envisioned his family's legacy and designed his pension. rather than double down on working interests, he considered taking profits or losses where appropriate and pivoted resources shrewdly.
his strategy included additional asset allocation into more stable royalty interests as well as other financial instruments. we pruned profits away from 100% working interests, reduced overall asset portfolio volatility, and stabilized cash flow. understanding his overall risk profile required an independent mindset with collaboration, intense thought, and intelligent execution.
as in fred's case, like all cases, we must always look around the corner. structuring his enterprise vision well ensured a road map to provide legacy capital for many generations. cash flow sources will affect not only his future lifestyle but provide unimaginable opportunity down the road. his tax attorney joined our party and maneuvered the estate tax challenges with gusto!
beyond the next seven generations, we designed his own custom-tailored pension that can avoid outliving income and cover uninsured healthcare expenses. focusing on future income and healthcare liabilities anchored his asset portfolio and developed a robust foundation. why worry about beating a market index when you can engineer a lifetime guaranteed income benefit?
for instance, fred invested $500,000 and created a meaningful income benefit with a properly designed income annuity. we engineered the guaranteed income stream to create over $55,000 per year within ten years for life. although his income benefit will total over $1.00 million, he simply cannot walk away with that lump sum amount.
he must use the accumulation value for a lump sum distribution; moreover, his income annuity represents his own particular situation around age 60. you should consult proper tax counsel as necessary, and yes, not all income annuity contracts remain equal.
most individuals desire predictability and guarantees. the lump sum placement only comprised 25% of his entire portfolio but provided guaranteed cash flow and piece of mind! additional profits could increase the income benefit or go elsewhere to satisfy his holistic needs.
fred's pruned oil / gas asset portfolio avoided a fully deep position. volatile market swings can reward monetarily but may also punish market players with inconsistent cash flow and poor health.
our financial instrument choices did not not amplify volatility but secured principal with affordable, attractive, and beneficial options. he also invested in a extended care insurance combination solution with a life insurance structure. we repositioned 250,000 and generated a meaningful death benefit solution with tidy coverage against uninsured healthcare expenses.
we did not choose a premium-based extended care policy since he had assets that he repositioned profitably. his risk management process required foresight and deliberation with no shortcut toleration. we utilized a customized, holistic asset / liability management approach.
nevertheless, fred fellows desired maximum enjoyment regarding the benefits of ownership. he can always break his back, but at the end of the day, he can pivot and change his direction without much fuss. besides, why risk your health wellness, right?
mendez & co. financial counselors maintains that the case study does not fit all cases, especially in the nuanced oil / gas market. seek out professional financial counsel and blueprint your exit strategy, envision your legacy, and design your pension!
...you can count on my professional judgment, my resource access, and my practical counsel...
- pharaonic civil projects
- inequitable and inadequate city service infrastructure
- capital splitting real property and production inflation
- over-sized trucks with even larger homes and exhaust pipes.
meeting with a middle age fellow, say fred fellows, over time revealed a common asset / liability management strategy. fred's strategy involved stacking chips fully deep into working interests. although he created significant profits with some equally gripping losses, his risk profile appeared imbalanced towards asset yield.
once fred and his retained financial counsel blueprinted his exit strategy, they envisioned his family's legacy and designed his pension. rather than double down on working interests, he considered taking profits or losses where appropriate and pivoted resources shrewdly.
his strategy included additional asset allocation into more stable royalty interests as well as other financial instruments. we pruned profits away from 100% working interests, reduced overall asset portfolio volatility, and stabilized cash flow. understanding his overall risk profile required an independent mindset with collaboration, intense thought, and intelligent execution.
as in fred's case, like all cases, we must always look around the corner. structuring his enterprise vision well ensured a road map to provide legacy capital for many generations. cash flow sources will affect not only his future lifestyle but provide unimaginable opportunity down the road. his tax attorney joined our party and maneuvered the estate tax challenges with gusto!
beyond the next seven generations, we designed his own custom-tailored pension that can avoid outliving income and cover uninsured healthcare expenses. focusing on future income and healthcare liabilities anchored his asset portfolio and developed a robust foundation. why worry about beating a market index when you can engineer a lifetime guaranteed income benefit?
for instance, fred invested $500,000 and created a meaningful income benefit with a properly designed income annuity. we engineered the guaranteed income stream to create over $55,000 per year within ten years for life. although his income benefit will total over $1.00 million, he simply cannot walk away with that lump sum amount.
he must use the accumulation value for a lump sum distribution; moreover, his income annuity represents his own particular situation around age 60. you should consult proper tax counsel as necessary, and yes, not all income annuity contracts remain equal.
most individuals desire predictability and guarantees. the lump sum placement only comprised 25% of his entire portfolio but provided guaranteed cash flow and piece of mind! additional profits could increase the income benefit or go elsewhere to satisfy his holistic needs.
fred's pruned oil / gas asset portfolio avoided a fully deep position. volatile market swings can reward monetarily but may also punish market players with inconsistent cash flow and poor health.
our financial instrument choices did not not amplify volatility but secured principal with affordable, attractive, and beneficial options. he also invested in a extended care insurance combination solution with a life insurance structure. we repositioned 250,000 and generated a meaningful death benefit solution with tidy coverage against uninsured healthcare expenses.
we did not choose a premium-based extended care policy since he had assets that he repositioned profitably. his risk management process required foresight and deliberation with no shortcut toleration. we utilized a customized, holistic asset / liability management approach.
nevertheless, fred fellows desired maximum enjoyment regarding the benefits of ownership. he can always break his back, but at the end of the day, he can pivot and change his direction without much fuss. besides, why risk your health wellness, right?
mendez & co. financial counselors maintains that the case study does not fit all cases, especially in the nuanced oil / gas market. seek out professional financial counsel and blueprint your exit strategy, envision your legacy, and design your pension!
...you can count on my professional judgment, my resource access, and my practical counsel...
Monday, March 19, 2012
salvatore cantale - cheers to a mentor
hello clients, prospective clients, and business alliance members. just viewed an extraordinary clip from an undergraduate finance mentor who helped me swing out three more senior year hours. we modeled the rjr nabisco deal comparing the management and private equity offers utilizing fundamental cash flow scenarios.
his cash flow instincts influenced my valuation systems, and it appears that we share the same ethical compass to this day. a honed, disciplined financial modeling approach has guided my corporate finance decision-making process since college; moreover, it has positively influenced and shaped my asset / liability and strategic risk management experience.
as the speech progressed, and salvo got more into it, his jokes started cracking me up all over again. enjoy and cheers! my clients, prospective clients, and business alliance members thank you kindly for your mentoring energy salvo...
Salvatore Cantale
Professor of Finance at IMD
The current global financial crisis represents a major threat to stability and the wellbeing of huge numbers of people. Some blame the greed of the banking sector. But what are the deeper underlying causes?
Salvatore Cantale is a professor of finance and an advocate of the role of finance in value creation, who himself started his career as an investment banker. In his talk, he makes the complex plain and proposes some new approaches to finance as potentially promising solutions.
A new approach to finance
Salvatore Cantale
Salvatore Cantale is a professor of finance and an advocate of the role of finance in value creation, who himself started his career as an investment banker. In his talk, he makes the complex plain and proposes some new approaches to finance as potentially promising solutions.
Thursday, March 15, 2012
father and son time on friday - minimal commerce
hello clients, prospective clients, and business alliance members. focusing more on emotional health development definitely pays off and warrants coordinated attention. this practice fits into a client-centric, concierge health + financial wellness program.
rather than focusing exclusively on money awards, corporate human resource departments must permit scheduling fluidity and facilitate user-definition. in layman's terms, the statement means ease up on employee time control. extra monetary awards work generally well, but what about taking a traditional workday off consistently to experience quality family time?
nearly every friday, blaine, our 21 month old son, and i enjoy our time together. we have a late-start morning feeling the warm sun pour through the window. timed-set coffee from last night fills the kitchen air, as we prepare our morning.
with a quick diaper change, we head off to his playroom, usually a milk cup in hand, and just hang out. he will tell me when he wants some breakfast, or sometimes, he just has to sit down at the table. we enjoy our healthiest breakfast all week with oatmeal, flax, fruit, laughter, and sunshine.
we may leave for the office or take turns saying hello around the partition between the solarium and his playroom. a business-funded desktop computer sits outside his playroom, which often doubles up as his multimedia toy. integrating business tools into the work and home environment pays dividends through flexibility but requires discipline knowing when to turn it off.
when we pull into my office's parking garage, his amazement follows the light rays as they dim out with the closing garage door. he loves walking on his own and insists that he walk to the door. his insistence needs a minor push when we get to the elevator, but he enjoys the gravitational push.
watching my son conquer his fear with the elevator over a time lapse makes me feel confident. we both took on something together difficult, but when it came down to deliver, he did it alone. his self-reliance and mental fortitude training will affect his future lifestyle as much as a trust fund, if not considerably more.
eventually, we head back to the house and get some lunch before nap time. my wife and i have a shift change sometime after nap time. time to go back to the office and close down.
feeding his global perspective, we often talk about his peers in palestine, lebanon, syria, and subsaharan africa. without detailing violence committed against his peers, we talk about each child as an equal with a name and loving family. foreign affairs take new meaning when evaluated through your child's eyes.
create enjoyable quality family time! you often do not get a second chance...
rather than focusing exclusively on money awards, corporate human resource departments must permit scheduling fluidity and facilitate user-definition. in layman's terms, the statement means ease up on employee time control. extra monetary awards work generally well, but what about taking a traditional workday off consistently to experience quality family time?
nearly every friday, blaine, our 21 month old son, and i enjoy our time together. we have a late-start morning feeling the warm sun pour through the window. timed-set coffee from last night fills the kitchen air, as we prepare our morning.
with a quick diaper change, we head off to his playroom, usually a milk cup in hand, and just hang out. he will tell me when he wants some breakfast, or sometimes, he just has to sit down at the table. we enjoy our healthiest breakfast all week with oatmeal, flax, fruit, laughter, and sunshine.
we may leave for the office or take turns saying hello around the partition between the solarium and his playroom. a business-funded desktop computer sits outside his playroom, which often doubles up as his multimedia toy. integrating business tools into the work and home environment pays dividends through flexibility but requires discipline knowing when to turn it off.
when we pull into my office's parking garage, his amazement follows the light rays as they dim out with the closing garage door. he loves walking on his own and insists that he walk to the door. his insistence needs a minor push when we get to the elevator, but he enjoys the gravitational push.
watching my son conquer his fear with the elevator over a time lapse makes me feel confident. we both took on something together difficult, but when it came down to deliver, he did it alone. his self-reliance and mental fortitude training will affect his future lifestyle as much as a trust fund, if not considerably more.
eventually, we head back to the house and get some lunch before nap time. my wife and i have a shift change sometime after nap time. time to go back to the office and close down.
feeding his global perspective, we often talk about his peers in palestine, lebanon, syria, and subsaharan africa. without detailing violence committed against his peers, we talk about each child as an equal with a name and loving family. foreign affairs take new meaning when evaluated through your child's eyes.
create enjoyable quality family time! you often do not get a second chance...
Tuesday, March 6, 2012
a truly global client experience
hello clients, prospective clients, and business alliance members. the mobile entrepreneur concept combined with a social entrepreneur agenda embodies our commercial future; moreover, when you place people and planet over profits, you create a sustainable winning combination.
with mobility and a social conscience, you can blueprint a truly global client experience. wise business development strategies do not build a business model and expect clients to come knocking on the door. the tail (provider) ultimately does not wag the dog (client).
your clients should define your business model and provide you with constant feedback about their direction. you must match the needs and desires to ensure that the requests make prudent business sense. finding a niche and filling it may sound trite, but following the maxim works and requires discipline with a client-centric focus.
for instance, clients outside my independent practice's footprint desire a richer concierge experience beyond the telephone. adding visual context within an audio experience creates the sensation that you can move without moving. although the concept harks back to "dune," you do not need spice to power your intercontinental journey.
you just need skype or other teleconferencing technology that provides facial expressions with the spoken word. rich teleconferencing technology permits a social entrepreneur the ability to call the shots where to play and how to create value; moreover, other software as a solution applications level the competitive playing field even further, unlocking additional client-centric value.
when you meet in person, which will invariably arise, you can keep a studio apartment rental with shared work and living spaces. our future studio apartments will gravitate towards technology and energy themed regions such as northern new mexico, denver, and austin. these areas would serve as a launching point into the global arena.
thinking globally but acting locally, my clients have specific concerns about outliving income and paying for uninsured healthcare expenses; moreover, as the global middle class rises in emerging markets, the two themes will resonate across many different civilizations, not just western society.
creating a truly global client experience engineers geographic omnipresence and sustainable value. you can count on my professional judgment, my resource access, and my practical counsel.
with mobility and a social conscience, you can blueprint a truly global client experience. wise business development strategies do not build a business model and expect clients to come knocking on the door. the tail (provider) ultimately does not wag the dog (client).
your clients should define your business model and provide you with constant feedback about their direction. you must match the needs and desires to ensure that the requests make prudent business sense. finding a niche and filling it may sound trite, but following the maxim works and requires discipline with a client-centric focus.
for instance, clients outside my independent practice's footprint desire a richer concierge experience beyond the telephone. adding visual context within an audio experience creates the sensation that you can move without moving. although the concept harks back to "dune," you do not need spice to power your intercontinental journey.
you just need skype or other teleconferencing technology that provides facial expressions with the spoken word. rich teleconferencing technology permits a social entrepreneur the ability to call the shots where to play and how to create value; moreover, other software as a solution applications level the competitive playing field even further, unlocking additional client-centric value.
when you meet in person, which will invariably arise, you can keep a studio apartment rental with shared work and living spaces. our future studio apartments will gravitate towards technology and energy themed regions such as northern new mexico, denver, and austin. these areas would serve as a launching point into the global arena.
thinking globally but acting locally, my clients have specific concerns about outliving income and paying for uninsured healthcare expenses; moreover, as the global middle class rises in emerging markets, the two themes will resonate across many different civilizations, not just western society.
creating a truly global client experience engineers geographic omnipresence and sustainable value. you can count on my professional judgment, my resource access, and my practical counsel.
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