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ARE YOU TRULY IN CONTROL OF YOUR MONEY?Discovery 5 Ways You’re Slipping Up and How to Regain Your Gripinfo@tier1capital.com570-550-9002154 Enterprise Way Pittston, PA 18640Schedule A Free Strategy Session

It's unsettling but true: Your hard-earned money might be slipping through your fingers without you even realizing it. The world of finance is a maze, often leaving individuals confused, overwhelmed, and susceptible to costly mistakes. While you strive to secure your future, hidden pitfalls may be pulling you backward.

Here's a stark reality: Banks thrive when they control more of your money.They’re not just safeguarding it; they're using it to boost their profits, often at your expense. This isn’t about blaming banks but understanding that their priority is their bottom line, not necessarily yours.

At Tier 1 Capital, our mission is crystal clear: equip you with knowledge and tools to navigate these financial pitfalls. We don't just point out the traps; we guide you around them, ensuring your money remains where it belongs — with you.1

Unintentional financial mistakes are robbing you of your hard-earned wealth.We'll uncover the five ways you're inadvertently letting go of your money and arm you with strategies to reclaim control.Your financial journey shouldn't be about just earning money. It’s about how much of it you truly keep and grow. Your peace of mind is invaluable. With our guidance, not only will you be aware of where your money is going but, more importantly, how to redirect its flow back into your pocket.

MORTGAGES: ARE YOU UNKNOWINGLY GIVING AWAY YOUR POWER?

THE PITFALLS YOU'RE FALLING INTO:When it comes to the 15- vs 30-year mortgage debate, many feel lost. Mortgages are not one-size-fits-all, and with myriad options available, making the right decision feels daunting. And here's the wrench in the works: Many banks prioritize their profit over your financial wellbeing. Thus, relying solely on a mortgage broker might not get you the transparent advice you need.

A common trap many fall into is equating a lower interest rate with saving money. While on the surface it seems logical to pursue the lowest rate - after all, why should you willingly part with more money to the bank? -the nuances go deeper. The catch is, these enticingly low interest rates are usually tied to 15-year mortgages. And though you might think you're saving in the long run, the immediate implications can be drastic. Higher monthly payments mean less liquidity, stripping you of your financial agility. With more of your income tied to your mortgage, unforeseen expenses like car repairs or home emergencies become stress points, pushing you to borrow more, often at higher interest rates.

RECLAIMING YOUR FINANCIAL FREEDOM:Your money's value today is unparalleled. With the unpredictable nature of inflation, every dollar you have now is potentially worth more than it will be in 15 years. By tying yourself to larger mortgage payments, you're unwittingly diminishing your current buying power and, in the process, setting up potential future financial challenges. Prioritizing immediate liquidity over marginally lower interest rates could be the key to regaining true control of your finances. Your ability to meet immediate needs, save for emergencies, and capitalize on opportunities is essential. Make choices that ensure you aren't just wealthier on paper, but richer in real-life flexibility and security.

COLLEGE SAVINGS: THE TRAPS AND HOW TO NAVIGATE THEM

WHERE YOU'RE LOSING YOUR GRIP:Envisioning your child's future is dreamy, but financially preparing for it can be a whirlwind. Traditional avenues like 529 plans and UGMA accounts often come up as solutions. While these can grow over time, they possess inherent flaws that might keep you from maximizing your funds. Here's the kicker: once you begin to pull from these for college payments, the magic of compound interest halts. That powerful force that boosts wealth? Gone.

Moreover, these funds are seen as available income when applying for financial aid. This can mean a double-edged sword: the more you save in these accounts, the less aid you might receive, causing you to foot a larger tuition bill. On the flip side, if the account doesn't perform well, you may qualify for more aid but lack the funds to cover costs. It feels like being stuck between a rock and a hard place. Sadly, these methods often benefit institutions and the government more than families like yours.

TAKING CHARGE OF YOUR FINANCIAL FUTURE:Here's the silver lining: there are myriad avenues to tap into financial aid without being bound to traditional savings or debilitating loans. Let us guide you in strategically positioning your assets to boost your eligibility for aid. More so, we can pinpoint avenues to fund college within your existing financial framework, ensuring you neither compromise today's lifestyle nor tomorrow's retirement dreams. Paying for your child's education should elicit pride, not strain. We're here to help you maintain control over your finances, ensuring they serve your present needs and future aspirations. Because a child's future and a parent's peace of mind shouldn’t be mutually exclusive.

RETIREMENT PLANNING: UNVEILING THE HIDDEN PITFALLS AND UNLOCKING TRUE FINANCIAL FREEDOM

WHERE YOU'RE HITTING A WALL:Few milestones are as anticipated as the golden years of retirement. The serenity of knowing you can step back, relax, and enjoy life without compromising today’s comforts is invaluable. However, traditional retirement avenues like 401Ks and IRAs might not be the safe havens they're touted to be. The looming threats? Market fluctuations can erode your savings, while inflation can diminish the purchasing power of your hard-earned money.

Here's another twist: with tax-deferred accounts, future tax spikes can eat into your savings. As these conventional plans flourish, ironically, your tax bills follow suit. It's a system where your success seems to penalize you. And in emergencies? Your hands are tied. These funds, locked until retirement age, can't be accessed when you most need them.

HOW TO TAKE THE REINS BACK:The secret? A strategically crafted life insurance policy. Within this shell, your money matures tax-deferred, shielded from the unpredictable stock market's whims. An added perk? Tax-free withdrawals, even before hitting 59 ½, providing liquidity during unexpected storms without any penalties. When the retirement bell tolls, you can harness your funds income tax-free. No fretting about Medicare premiums spiking or taxing your Social Security benefits.The essence? True freedom in retirement shouldn't be riddled with anxiety over unforeseen financial obstacles. Let’s realign your strategy, ensuring your golden years gleam as brightly as they should.

TAXES: THE UNSEEN DRAIN ON YOUR WEALTH

THE SILENT TRAP YOU'RE FALLING INTO:While most investment advisors spotlight immediate gains and rates of return, they conveniently sidestep a significant adversary: taxes. Traditional savings and retirement avenues may seem alluring, promising a haven for emergencies or retirement. But lurking beneath are the heavy chains of taxes, shaving off huge chunks of your hard-earned wealth.

Here's a startling fact: taxes are your primary wealth diminisher. Let’s paint a vivid picture: You have $1. An advisor promises to double it annually for two decades, which would snowball to a whopping $1,048,576. But here's the twist: you're taxed yearly on that growth. Even if you presume a 25% tax on the end amount, you'd still expect $750,000, right? But with annual taxation, your wealth's momentum is drastically curtailed. The real figure you'd end up with? A mere $72,571.

It's a grim realization: in a taxable environment, building wealth is like running a race with weights tied to your ankles. Whether your account grows or diminishes, you're in the losing seat. Meanwhile, banks laugh their way to, well, the bank, capitalizing on your funds.

THE STRATEGY TO CLAW YOUR CONTROL BACK:The landscape isn't all bleak. Just as with retirement, there exist fortified pathways to nurture and shield your wealth from crippling tax rates. Our unique approach, sidestepping traditional pitfalls, reinstates your grip on your finances, ensuring more of your money stays yours.It’s time to rewrite your financial narrative, reclaiming what's rightfully yours and ceasing to be a silent benefactor to taxing entities.

MAJOR PURCHASES: RETHINKING THE CASH PHILOSOPHY

THE MISCONCEPTION DRILLING HOLES IN YOUR WALLET:On the surface, sidestepping financing for major purchases seems astute. Avoiding interest surely sounds like the pinnacle of smart money management. Yet, an underlying flaw exists. For many sizeable investments, such as a new car, an upfront payment can paradoxically erode your finances.

Let's delve deep with an illustration: Contemplate a $30,000 vehicle. The immediate urge might be to clear its price, especially if you have a $30,000 CD accruing 4%. Yet, if you financed the car at 6%, your perspective would shift. Over 48 months, your car payments would sum to $33,818. Meanwhile, letting the CD compound at 4% over the same period would propel its value to $35,196.

It boils down to a tug-of-war between compound and amortized interest. With compound interest, as your CD does, gains multiply, enhancing the overall amount. In contrast, an amortized loan diminishes, reducing the interest over time. Therefore, a 4% compounding CD can financially eclipse a 6% loan.

NAVIGATING THE FINANCIAL LABYRINTH TO RECLAIM CONTROL:Whenever confronted by a substantial purchase, widen your horizons to grasp its long-term ripple effects. The car analogy above unravels the common myth that deters from financing and champions direct payment. In reality, opting for financing often maintains a tighter grip on your immediate wealth, safeguarding it when it holds utmost significance, rather than exhausting hefty sums merely to dodge interest.

REDISCOVER YOUR FINANCIAL POWER WITH USFor three transformative decades, we've been the beacon for countless individuals, illuminating the often-hidden pitfalls in their financial journeys. We've not only highlighted these detours but have handed them the map to reclaim their financial destinies.1

Here's a revelation: Banks are adept illusionists. They dangle the allure of high returns, ensnaring your attention, all the while orchestrating ways to loosen your grip on your hard-earned money. The real metric isn't the fortune you amass, but the wealth you preserve.1

Our signature approach, the "Collateralization Method", is a testament to this philosophy. This method is crafted to bolster your interest earnings, while simultaneously shielding your wealth from the eroding forces of taxes and unforeseen losses.Why tread the financial maze alone? Let our seasoned guidance illuminate your path. 1

"We give our clients the same financial advice we give our families, because every aspiration and concern you share resonates deeply with us."

info@tier1capital.com570-550-9002154 Enterprise Way Pittston, PA 18640Schedule A Free Strategy Session