In an effort to highlight the importance of financial literacy and educate Americans on healthy financial habits, April has been declared “National Financial Literacy Month” by the U. S. Senate……and for good reason.

Americans carry more than $2 trillion in consumer debt1, which often results in significant financial difficulty and untold consequence. Many others despair about reaching their retirement goals, or running out of money in their twilight years.

At the Morris Group, we educate individuals about their personal finances using common sense strategies to reduce risks and optimize financial health.

Here are just a few suggestions to achieve financial literacy and establish healthy financial habits during National Financial Literacy Month:

  • Commit to change
  • Accept responsibility for altering your financial “lifestyle”

  • Obtain a free copy of your credit report (www.annualcreditreport.com)

    • Use your credit score to gage your financial health

      Clear out “financial clutter”

      Get organized…put all your bills, statements, and other financial documents in one place to avoid money lost to late fees or high interest rates due to a bad credit score!

  • Establish a “financial health” plan

    • Create a budget, identify cash flow, determine your assets and liabilities

  • Pay down your debt

    Develop a system based on persistency, patience and discipline

     Secure your future financial health

    Save, diversify, defer

    Seek professional advice

    Consult an investment advisor to get educated and reach your immediate and future financial goals

Whatever you do, don’t be an April fool…..Get literate about your personal finances!!

  1. Federal Reserve, G.19 Consumer Credit Report, 2011 statistics (http://www.federalreserve.gov/releases/g19/Current/)

 

 


Please use our website as a resource, and click here to contact us for additional information, customer service requests & forms, or to schedule a meeting.

Roger H Morris, CLU®, ChFC® is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA (CA Insurance License No.0594623), MT, NV & TX. No insurance business may be conducted outside these states referenced.

Roger H Morris, CLU®, ChFC®, ia a member agent of the Nautilus Group, a service of New York Life Insurance Company.

Roger H Morris, CLU®, ChFC® is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the state of CA. No offers may be made or accepted from any resident outside the specific state referenced.

Roger H Morris, CLU®, ChFC® is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the state of CA. As such, these services are strictly intended for individuals residing in CA.

Jasmita "Jessie" Patel, LUTCF is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA (CA Insurance License No.0F29979), TX & UT. No insurance business may be conducted outside these states referenced.

Jasmita "Jessie" Patel, LUTCF is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the states of AZ and CA. No offers may be made or accepted from any resident outside the specific states referenced.

Jasmita "Jessie" Patel, LUTCF is also separately registered as an investment adviser representative ("IAR"), under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the state of CA. As such, these services are strictly intended for individuals residing in CA.

Scott Schultz is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the state of CA. No offers may be made or accepted from any resident outside the specific states referenced.

Scott Schultz is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the state of CA (CA Insurance License No.0G83708), No insurance business may be conducted outside these states referenced.

R H Morris Insurance & Financial Services is not owned or operated by NYLIFE Securities LLC or its affiliates.

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