Our Philosophy

Our mission is to simplify your financial life, protect your wealth, and give you the opportunity to enjoy life, free from the burden of financial worries.

Our philosophy is one built on coordination, consistent savings, protection, and control of money over time. We also want to utilize the “The Money Multiplier” technique to consistently keep money moving to pick up additional benefits and money supply. Our philosophy is structured to help enhance what you are trying to accomplish, So ultimately, your money supports you in getting what you want out of life

Here are ten crucial elements that should be present in the “ideal financial plan”:

Systematic Monetary Flow

In order to maintain consistent returns, money must be regularly contributed to the plan.

Consistent Returns

Your money should be making you money. Finding the right investment strategy for you to maximize returns will secure your financial future and enhance your current lifestyle simultaneously.

Liquidity

Monetary funds should be readily and easily accessible to you, as your wants and needs can, and will, change as time goes on. Locking up assets as you plan for your financial tomorrow can hinder you from living the life you want today.

Tax Minimization of Accumulating Assets

While your money is making you money, we can identify ways to minimize your exposure to taxation on these assets. Keeping the money you make is a crucial part of increasing your optimal amount of wealth.

Ease of Monetary Distribution

It’s your money and you should be able to have access to it at any point without hassle, astronomical fees or any other unnecessary obstacles.

Tax Minimization of Distributed Assets

You shouldn’t have to pay to gain access to your money and we can help you limit the taxation on assets you choose to liquidate or withdraw. What good is losing money you’ve worked so hard to make?

Financial Security of Family Members

Part of your future planning is planning for your future family. Children, grandchildren, perhaps even great-grandchildren should be considered in your financial planning, no matter what stage of life you’re in.

Minimization of Risk

Risk cannot be avoided, but it can be minimized. For example, estate taxation should not force your family members to sell important assets (your home, business, etc.) to secure financial stability. This liability could be funded out of residual capital and/or insured.

Flexibility

Your wants and needs will change, your family will grow and your plan needs to be built with a certain amount of flexibility to account and provide for those changes.

Self-Completion

Your plan should account for the unplanned. Your financial strategy should contain contingencies for death, injury, disability, emergencies, etc., so that no unforeseen circumstance will compromise your, or your family’s financial security.

  • DeYoung Financial Group

    We know that you can purchase financial products and services from anyone. Financial institutions and the media are bombarding us with information about finances in today's marketplace. How do you know which information is right for you?

    Successful people know that it is not a product or service that will provide you with financial happiness, but the strategies you use that will make the difference. In golf terms…it’s the swing, not the club.


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WWW.FINRA.ORG and WWW.SIPC.COM and WWW.BROKERCHECK.FINRA.ORG Important disclosures WWW.GUARDIANLIFE.COM/DISCLOSURES Securities products and advisory services offered through Park Avenue Securities LLC (PAS) member FINRA www.finra.org, SIPC www.sipc.org. OSJ: 2111 Route 34 Wall, NJ 08736 732.528.4800. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. DeYoung Financial Group is not an affiliate of subsidiary of PAS or Guardian. The Living Balance Sheet® (LBS) and the LBS logo are service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2017 Guardian This Material is Intended For General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. 2017-45712 Exp 11/19