FINANCIAL SECURITY

STEP 1-Increase Cash Flow 

• Increase income/revenue 

• Decrease expenses 

STEP 2-Proper Protection 

Proper Insurance Protection 

("D.I.M.E. Method") 

• Death expenses 

• Income replacement 

• Mortgage balance 

• Education expenses 

Proper Legal Protection 

• Personal 

• Business 

STEP 3- Emergency Fund 

Must have six times your monthly expenses saved up for you and your business 

STEP 4-Debt Management and Credit Improvement 

• Consolidate bills into one payment 

• Build/re-build your personal and business credit by removing negative, outdated, erroneous   

   trade lines legally adding positive trade lines and  

STEP 5-Long Term Savings 

• Save for down payment on a new home 

• Save for current or new business enterprise 

• Save for children's education 

• Save for retirement 

STEP 6-Business and Estate Preservation 

• Protect personal and business assets 

• Limit or avoid personal and business liabilities 

A2Z believes all consumers and businesses, especially minorities and minority-owned 

businesses, should and could have financial security... 

A2Z can help!