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CREATE AN EVERLASTING LIVING LEGACY … YOUR ESTATE PLAN

Be Healthy Wealthy & Wise

Be Healthy Wealthy & Wise The Journey To Live Your Legacy

2020 was a closeup: a challenging 12-month cycle. 2021 is an opportunity to “Plus” this. To soothe, heal, make it better. Let’s learn while shifting to a better place?

How can we chart a new path when 2021 still feels raw and ugly, losses due to grief? Is life beyond our control?  The virus, unemployment, the economy?  Frustrated trying to get where you have never been … without GPS? I invite you to start 2021 with a Plan, and to create a new MISSION! Who remembers Agent 007, Sean Connery as James Bond in the movie “Mission Impossible?”  He planned for his mission and so can you.

Your 2021 MISSION, should you accept it, is to identify, revise and up-level your game and personal habits, so that you successfully implement a winning strategy, leverage specific tools and resources, execute actions that proactively increase income, and preserve your family’s resources. Take the first step to building a lasting and living legacy! Do you have a plan? A family plan, study plan, Estate Plan, or financial plan?

WHAT IF going forward, we rethink or develop a new Mindset One that reduces the likelihood of another societal melt-down?  How can we transform chaos into productivity and thriving? Each of our reactions to the pandemic was based on a combination of habits, mindset, values, and experiences.  How well we coped was dependent on reserves, familial support, systems, and leveraged opportunities.  Here is a Plan that helps you pick up the slack and get unstuck.  It just might make a difference.

  1. Control Your Immediate Environment

Control your home environment, your mental, physical, and emotions. What lifestyle or high-risk choices are you making?  Take responsibility. How adaptable are you when it comes to resources or opportunities?  Who are the people you enjoy working with, or who allow you to perform at an ideal standard?  What are your prioritized values? Answer these questions and you will create effective guard rails, that focus you while systemizing tasks in a direction that propels you forward to MISSION ACCOMPLISHED! When you examine existing resources, segment them by subject and identify gaps. Identify professional and assumed resources: doctors/nurses/healthcare, lawyers/paralegals, education/personal development/online learning, financial professionals/insurance agents/401K plan administrators, coaches/mentors. What or where is your gap? Who are your valued resources?

  1. Commit To #1: Prioritize Goals and Identify Tasks

Once a decision is made believe that the universe will support you providing a “just in time” opportunity. Choose who and what tasks to focus on, then stake your ground, begin the journey to identify and fill each need gap.

  • Does your Need Gap involve finances or money? Family security, or retirement? Healthcare or debt management? Insurance or taxes? Wealth, or Estate Planning? Irrespective of where you are in life, each person should have reassurance and peace of mind, knowing that loved ones are safe and provided for. There are many uncertainties, we must plan. One way to do this is by having an Estate Plan that matches specific needs. But what exactly is an Estate Plan?
  1. Your Estate Plan

An Estate Plan is more than a simple will. it includes at a minimum a Durable Power of Attorney (appoints somebody to act on your behalf), a simple Will, or Trust. A Trust is a legal arrangement through which one person holds legal title for another. The Trust is designed to ensure that loved ones know your wishes, are provided for, protect your assets while minimizing generational losses (due to taxes, creditors etc. Get access to a simple Trust resources at https://wfg.ProtectMoreFamilies.com/HeatherAtkinson. A well-designed Trust can conveniently shift assets. An excellent Estate Plan will also include medical directives, Guardianship and documents that preserve  income, even if a family uses government benefits.

Heather Atkinson is an attorney and financial professional, who has worked for and with individual clients, major law firms, Fortune and Finance companies, including MGM, Microsoft, Warner Bros., Kinkos (now FedEx), in business legal capacities. For additional info and services visit www.GirlsLovePowerTools.com or https://wfgconnects.com/HeatherAtkinson and https://www.InterVivosPlan.com. To learn more about Estate Plans, financial literacy or how an Estate Plan can help you build and protect a lasting legacy  Contact Heather at 818-805-9099, Heather@IntervivosPlan.com or Info@GirlsLovePowerTools.com.

© Heather Atkinson and Clare Creative Communications, Inc. 2021

5 Things to Consider When Starting Your Own Business

Does anything sound better than being your own boss?

Is This Your Time To Make A Difference?

Start Your Business Part Time

Well, maybe a brand new sports car or free ice cream for life. But even a state-of-the-art fully-decked-out sports car will eventually need routine maintenance, and the taste of mint chocolate chip can get old after a while.

The same kinds of things can happen when you start your own business. There are many details to consider and seemingly endless tasks to keep organized after the initial excitement of being your own boss and keeping your own hours has faded. Circumstances are bound to arise that no one ever prepared you for!

Although this list is not exhaustive, here are 5 things to get you started when creating a business of your own:

1. Startup cost

The startup cost of your business depends heavily on the type of business you want to have. To estimate the startup cost, make a list of anything and everything you’ll need to finance in the first 6 months. Then take each expense and ask:

  • Is this cost fixed or variable?
  • Essential or optional?
  • One-time or recurring?

Once you’ve determined the frequency and necessity of each cost for the first 6 months, add it all together. Then you’ll have a ballpark idea of what your startup costs might be.

(Hint: Don’t forget to add a line item for those unplanned, miscellaneous expenses!)

2. Competitors

“Find a need, and fill it” is general advice for starting a successful business. But if the need is apparent, how many other businesses will be going after the same space to fill? And how do you create a business that can compete? After all, keeping your doors open and your business frequented is priority #1.

The simplest and most effective solution? Be great at what you do. Take the time to learn your business and the need you’re trying to fill – inside and out. Take a step back and think like a customer. Try to imagine how your competitors are failing at meeting customers’ needs. What can you do to solve those issues? Overcoming these hurdles can’t guarantee that your doors will stay open, but your knowledge, talent, and work ethic can set you apart from competitors from the start. This is what builds life-long relationships with customers – the kind of customers that will follow you wherever your business goes.

(Hint: The cost of your product or service should not be the main differentiator from your competition.)

3. Customer acquisition

The key to acquiring customers goes back to the need you’re trying to fill by running your business. If the demand for your product is high, customer acquisition may be easier. And there are always methods to bring in more. First and foremost, be aware of your brand and what your business offers. This will make identifying your target audience more accurate. Then market to them with a varied strategy on multiple fronts: content, email, and social media; search engine optimization; effective copywriting; and the use of analytics.

(Hint: The amount of money you spend on marketing – e.g., Google & Facebook ads – is not as important as who you are targeting.)

4. Building product inventory

This step points directly back to your startup cost. At the beginning, do as much research as you can, then stock your literal (or virtual) shelves with a bit of everything feasible you think your target audience may want or need. Track which products (or services) customers are gravitating towards – what items in your inventory disappear the most quickly? What services in your repertoire are the most requested? After a few weeks or months you’ll have real data to analyze. Then always keep the bestsellers on hand, followed closely by seasonal offerings. And don’t forget to consider making a couple of out-of-the-ordinary offerings available, just in case. Don’t underestimate the power of trying new things from time to time; you never know what could turn into a success!

(Hint: Try to let go of what your favorite items or services might be, if customers are not biting.)

5. Compliance with legal standards

Depending on what type of business you’re in, there may be standards and regulations that you must adhere to. For example, hiring employees falls under the jurisdiction of the Department of Labor and Federal Employment Laws. There are also State Labor Laws to consider.

(Hint: Be absolutely sure to do your research on the legal matters that can arise when beginning your own business. Not many judges are very accepting of “But, Your Honor, I didn’t know that was illegal!”)

Starting your own business is not an impossible task, especially when you’re prepared. And what makes preparing yourself even easier is becoming your own boss with an established company like World Financial Group (WFG).

The need for financial professionals exists – everyone needs to know how money works, and many people need help in pursuing financial independence. WFG works with well-known and respected companies to provide a broad range of products for our customers. We take pride in equipping families with products that meet their financial needs.

Anytime you’re ready, I’d be happy to share my experience with you – as well as many other things to consider:  Compliments https://wfgconnects.com/HeatherAtkinson

What Does “Pay Yourself First” Mean?

Bills, bills, mortgage payment, another bill, maybe some coupons for things you never buy, and of course, more bills.

Snail Mail

Pay Yourself First

There seems to be an endless stream of envelopes from companies all demanding payment for their products and services. It feels like you have a choice of what you want to do with your money ONLY after all the bills have been paid – if there’s anything left over, that is.

More times than not it might seem like there’s more ‘month’ than ‘dollar.’
Not to rub salt in the wound, but may I ask how much you’re saving each month? $100? $50? Nothing? You may have made a plan and come up with a rock-solid budget in the past, but let’s get real. One month’s expenditures can be very different than another’s. Birthdays, holidays, last-minute things the kids need for school, a spontaneous weekend getaway, replacing that 12-year-old dishwasher that doesn’t sound exactly right, etc., can make saving a fixed amount each month a challenge. Some months you may actually be able to save something, and some months you can’t. The result is that setting funds aside each month becomes an uncertainty.

Although this situation might appear at first benign (i.e. it’s just the way things are), the impact of this uncertainty can have far-reaching negative consequences.

Here’s why: If you don’t know how much you can save each month, then you don’t know how much you can save each year. If you don’t know how much you can save each year, then you don’t know how much you’ll have put away 2, 5, 10, or 20 years from now. Will you have enough saved for retirement?

If you have a goal in mind like buying a home in 10 years or retiring at 65, then you also need a realistic plan that will help you get there. Truth is, most of us don’t have a wealthy relative who might unexpectedly leave us an inheritance we never knew existed!

But you might be surprised by much you can save if you put your mind to it. And you might want to do that… but how do you do that?

The secret is to “pay yourself first.” The first “bill” you pay each month is to yourself. Shifting your focus each month to a “pay yourself first” mentality is subtle, but it can potentially be life changing. Let’s say for example you make $3,000 per month after taxes. You would put aside $300 (10%) right off the bat, leaving you $2,700 for the rest of your bills. This tactic makes saving $300 per month a certainty. The answer to how much you would be saving each month would always be: “At least $300.” If you stash this in an interest-bearing account, imagine how high this can grow over time if you continue to contribute that $300.

That’s exciting! But at this point you might be thinking, “I can’t afford to save 10% of my income every month because the leftovers aren’t enough for me to live my lifestyle.” If that’s the case, rather than reducing the amount you save, it might be worthwhile to consider if it’s the lifestyle you can’t afford.

Ultimately, paying yourself first means you’re making your future financial goals a priority, and that’s a bill worth paying.

Good Morning Habits You Can Start Tomorrow

APRIL 15, 2020  – compliments of https://wfgconnects.com/HeatherAtkinson

Morning Habits

Great Morning Habits

Habits and Morning Routines
Morning Habits You Can Start Tomorrow
Most of our mornings aren’t very fun. We roll out of bed, maybe hit snooze a few times, and then crawl into work feeling groggy at best.
But it doesn’t have to be like this. The morning hours can be times of relaxation, focus, and self-improvement. Here are a few practical habits that can take your mornings from pointless to productive!

Go to bed early
Stayed up too late watching just one more episode of your favorite show? Don’t expect to wake up feeling motivated. A productive morning starts the night before. Try to stay away from screens before going to bed (at least one hour) and make sure you turn in at a reasonable time. You may also want to dial back when you wake up. Having a quiet hour or two before everyone else wakes up is a great way of freeing up time to invest in things you care about. Just remember that your new sleep schedule will take some time to adjust to!

Exercise first thing
One of the best habits to fill your new-found morning hours is exercise. It’s a great way to get your blood flowing and boost your energy. Plus, the feeling that you’ve accomplished something can help carry you through the day and boost your confidence.

Prioritize your tasks
But let’s say you’ve started getting up an hour and a half earlier and you work out for 30 minutes. How are you going to spend the next hour before you start getting ready for work? One great habit is to start planning out your day and prioritizing your tasks. Write down what specifically you want to accomplish and when. You might be amazed by how empowering it is to make a plan and to see your goals on a piece of paper. Start off with your biggest task. The morning is when you’re at your peak brain power, so commit your best efforts to the hardest work. The feeling of accomplishment from knocking out the task will carry you through the smaller things!

Mornings don’t have to be rough. Incorporating these tips and habits into your daily routine can help make the first hours of the day a time you look forward to. Start inching your alarm closer towards sunrise and use that extra time to absolutely crush your day!

Celebrating With Traditional Caribbean Christmas Rum Cakes

Christmas and the 2019 holiday season are here, it is time to  celebrate with traditional Caribbean rum cake and English plum puddings!  If you want to order rum cakes this year please do.  We have three (3) sizes, shipping from Cape Coral Florida and we can get them to you in time for Christmas if you order now!

Small  $29.99,  Medium $37.99 and Large $47.99.  To place your order contact us  at /contact-us/

Free shipping and handling on orders received before 12/14/2019. All orders require 6.5% Cape Coral Sales Tax.

Let us know how you enjoyed them.  Then in another few months it will be time to start the cycle again and put our special ingredients: raisins, currants, cherries, almonds, brandy, rum, port wine and spices  to marinate and soak for another year.  What do we mean by soaking ingredients?   Well, traditional Caribbean holiday cakes that are soooooo… delicious are marinated in glass jars for at least months before the Season so that the blend of ingredients when combined with flour, milk, eggs and spices literally dissolve in the mouth. This year’s batch is no exception.

Holiday cakes make great gifts  so share our  smooth delicate and distinctive blend of flavors.  This holiday favorite  is one of the few cakes that the longer it sits on the shelf, the better it gets since the rum and wine preserve it.  Like good wine these cakes gets better with age.  If they are still around after 3 weeks, you can elect to seal and store them on lower shelves in the refrigerator. This allows you to savor the holiday goodness during the winter months.

We are now taking pre-orders. The cakes will be made in the traditional Caribbean way by a  family in Cape Coral Florida.  Yum!!!   Order your rum cakes here!

Wanna Move The Needle? Here’s How To Leverage Effective Business Tech Tools

One of my biggest pet peeves in the digital marketing space is the term “all-in-one solution”.

Ya see, I think it’s a misnomer.

Or, actually, I think it’s misleading.

Any tool is an all-in-one solution if it’s the only tool you need, but the reality behind small business is that it’s infinitely complex – and therefore the landscape of tools to support your business is infinitely diverse (and ever expanding).

I have my own robust techstack, and Infusionsoft by Keap, and AccesAlly are at the core of it. I’ve written more about the specific tools that have earned my trust – if that interests you reach out to me and I will be happy to share.

But the reality is that the tools that support each business will be somewhat personal – they’ll likely need to match up with your business needs, priorities, and goals.

So, in this diverse, technical, and tricky landscape, when you could literally spend weeks researching options – how does a business owner choose what tools to depend on?

The answer is ROI.

Like anything in business, the tools you choose are an investment – and it only makes sense to continue investing in those tools if they’re earning an ROI for you.

Now, the typical way people think about “return on investment” is in a financial way, and your tools could certainly work to create new revenue – but they could also pay a return in other ways, like by saving you money, effort, or time.

I highlight that because I think focusing solely on a monetary concern will not only limit the tools you have at your disposal, but it can also be shortsighted in terms of crushing your longer term goals.

The next piece of advice I have for selecting the tools in your techstack is to focus on the role they will play.

You almost want to think of the tools you use as actual employees you’re casting into a role.

This’ll help in a few ways – first, it’ll help you get clear on the expectations you have for that tool.

And second, it’ll serve as a reminder of why that tool is valuable – because there will come a time when you question it, or when there’s a bug of some sort; and it’s important to be able to go back to it and recognize that this tool works around the clock and doesn’t take days off.

And finally, I’ll leave you with what I think is the most important lesson – small business is about crafting journeys.

(What’s a journey?)

The experience you create for your customers is what sets your business apart from others.

So if we recognize that, then the tools we use should be designing and supporting the journey we create for our customers.

And to zoom out one level further – that means that we, as small businesses, or as entrepreneurs need to spend time getting clear on the existing journey our customers are already having.

Then, ask yourself what it should look like. Try and visualize what your perfect customer journey would entail – if you only had one customer, and you could give them all your attention, what would that feel like?

That’s the blueprint.

(Here’s a case study) of how a tech stack can support an end-to-end customer journey.)

Once you have both of those it’s time to go to work narrowing that gap.

The tools you choose are how you build the customer experience blueprint.
———–
Greg Jenkins is the founder of Monkeypod Marketing, where he focuses on empowering entrepreneurs through virtual courses and educational resources.

In addition to small business and marketing automation, Greg is a semi-professional dogsitter; he loves hiking, traveling, watching basketball, and binging netflix. And dogs, did we mention dogs?

5 Strategies for Starting a Small Business Even if You Are a … Yes name it …

Business Strategies For the Overwhelmed!

You might be reveling in the joy of your first child, but still feel overwhelmed when you think of balancing family and career.  You may experience intense emotions if you get promoted, but still struggle daily when leaving your  children at home to pursue a long term business vision.

In either case you do not have to sacrifice family life for business life or career goals for parenthood. In this post, compliments of Infusionsoft, entrepreneurial mom, Purusha Rivera, and our founder Heather Atkinson outline what it takes to get a new business off the ground while balancing life on multiple fronts. 

Babies in diapers, toddlers in car seats, noisy kids in the backyard?  Does your schedule include wiping puree off high chairs and your favorite shirt?  Doing nonstop laundry, navigating  around toys on the floor, or just hanging onto sanity while you review email from work?

Life is  moving at breakneck speed, it feels as if  you’re losing yourself to uncontrollable forces and other people’s expectations.  How do you cope?

You shrug and remember that  somewhere deep inside you have a pulsing desire to stand firm, to  maintain your long term vision. You remember  an inner voice that tells you life includes motherhood and good parenting, but also promises more!

Yes you adore the little ones who call you Mom , but you are also drawn to  business and career-oriented goals.   You know you can leave a big mark helping others beyond your immediate family.

You wonder can these different worlds coexist?  What happens if they collide.  How do you harmonize or create order among those who matter most to you when schedules clash?

Still, you tell yourself I must do both.  You cannot shake this feeling and know that if you are driven to expand your world vision, it’s at least worth trying.

If  you are a parent with an entrepreneurial drive, or a professional  searching for work life balance, the below five (5) strategies will help turn your passion into a viable business, even as you honor your primary role to nurture and provide for your children.

Yes, it might be a challenge but you can achieve both even while executing on a vision to grow your startup … all within multiple 24-hour cycles!   Take your first steps, here is how.

1. Become Comfortable Learning to Courageously Ask For Help

The key is to become comfortable saying the unspeakable, that is, asking for help!   Yes, help is available and comes in several forms:  from a reliable trustworthy nanny …  to securing a professional or business confidante, one who listens and understands you, your vision, who has both ability and bandwidth to support vision through execution, as you live your busy life.

The irony is that as fearful or hesitant as you are to ask, some people do want to help you.  In the west, we are influenced by social norms that  often devalue meaningful collaboration. Many modern cultures put a premium on and primarily reward individualism, so many of us have lost the art of reaching out, or we are unwilling to use candid speech, due to fear of being misconstrued or manipulated.

Subconsciously we no longer believe we will be supported by others if we persist in seeking to have our personal needs met.  Worse,  we may be humiliated if we courageously express our needs by asking for help and are rejected.

We do not want to be perceived as weak, or infringing on somebody else’s lane.  We fear rejection so we act like super mom or super dad with 100% control, when in fact the opposite is true.   “No man is an island” and if we look at nature we will observe that it not only survives, but thrives on organic connections.

Might it not be a good idea to model nature in this regard? That is  if we too want to thrive.

To grasp this mindset we need blunt honesty to recognize that although there is potential danger lurking, there are still legitimate trustworthy people available to us.

As you reflect on safety and evaluate risk, it is important to consider that you also need to  learn how to exercise and make good choices.  How to select the right person for the right task, at the right time.

Good choices will propel you forward , and habitually become the exercise of an art.  Consistently making good choices  is a winning strategy that  will accelerate and leverages your business to  the pinnacle of success.  There is more information available to you.  You can  Click here for your expanded BluePrint.

2. Build Your Network of Support
You might be an expert at multitasking but even the most functional, efficient and well-caffeinated parent needs to surround themself with people who assist, encourage and support.  So don’t hesitate to seek out your tribe and enlist their strengths to help get your business leveraged.

Find people who reinforce your vision, who share your entrepreneurial interests and possess beneficial skills.  Your team can be made up of family, friends, referrals, both paid and unpaid . 

Can your children help out?  Its good to involve them early.   Outsourcing, delegating, and partnering with others make the enormity of launching a business manageable, instead of overwhelming.

The words “networking” and “tribe” are popular because business is sustained by relationships among people we know like and trust. We need to find our peeps.  

Good connections impact brand recognition, our customer base and growth, so don’t forge ahead alone. Invite others to take an active interest in your enterprise.  

3. Learn to Manage Time & Organize Your Space

Creating work-life balance is important, but it is more critical when your focus becomes divided between raising a family, and operating a business, or managing your career.

As a working parent your responsibilities cannot always be separated—often they mesh together and compete for attention.  So prepare for this inevitability by  parsing duties, breaking down tasks, and learning to delegate responsibilities ahead of time.  It is important that at the end and beginning of each day you reflect on what worked and what did not.

One option is to make time to reflect using a preferred meditation or prayer.  Document  progress or lack of it so you can measure performance over time, re-evaluate goals and challenges. Create flexibility as you plan ahead.

If your business is in your home, designate an office area, then organize it.  Create a “right” place for important tools so that locating them is easy, familiar and supports productivity.

Rearrange your schedule to minimize professional and personal conflicts, but invariably you know you will have them.  When conflicts happen leverage your team, use the strategic tools we described in earlier paragraphs and ask for help.  Reach out to your network of professionals, colleagues and tribe. Learn to delegate tasks well.

Schedule, and create time blocks where you prioritize goals.  Identify your weekly or daily “Must Dos”  and compartmentalize them into time blocks.  This will give you transparency allowing you to see what and when to delegate tasks.  It will also show you where you are over-extended and what projects consume resources keeping you overwhelmed.  Click here for your Blueprint.

4. Transform Your Feelings of Not Being Good Enough: Re-Educate & Become Prepared

Even if you did not earn a business degree, or have zero experience in logistics, persistence can take you further than credentialing, if you are surrounded by the right team and have access to effective tools.

Do not disqualify yourself, or undervalue potential because there aren’t specific credentials next to your name. The world of startups might be unfamiliar, but with time,  talent, and persistence you will grow into the opportunity.

Additionally, it has never been easier to access specialized training via the Internet.  There are so many software tools like Infusionsoft with automated solutions that can help.  Find a trainer or join a group even if it means that initially you have to invest time to learn the software.  It is well known that the qualified professional when practicing in his zone of genius works for the non-specialist business owner.  It is not difficult to get a professional on your team.

When your inner critic draws attention to perceived inadequacies, quieten it.  Instead, give yourself permission to follow that intuitive spark and create a vision of your desired outcome.  Next, work backwards to determine priority tasks that  need to get done and determinewho will help you execute on it.

Research your market, determine your niche, find a mentor, model a business, identify target customers, and refine branding elements.

Learn the factors of business ownership, from the many skilled professionals around.  Harness your passion,  focus your vision, balance your check book and commit to the long term. Trust that with foresight and preparation the road will rise to meet you.

If you are a new mom with an entrepreneurial streak, you don’t have to choose between your babies and  a business.  With a warm heart, tenacity, and support  from others you can balance motherhood without deferring career.  Gone are the days when you had to choose.  Click here for your BluePrint

5. Make Family Time: Find Creative Ways to Get your Kids and Spouse Involved 

There will be times when your kids need every single ounce of care, all your focus, and energy, and you’ll need to put the business on the backburner. When this happens you will be glad to have a trusted team in place.

Other times, you can turn growing your business into a family affair and incentivize your children and spouse to share your vision.  If you do tasks together, or discuss goals and business values over meals you are not only bonding, creating important family time but your family will feel like integral parts of your team, especially if you assign them age-appropriate roles..

Take children to the office, so they see how negotiations, partnerships, and customer relationships are developed.

Let them help out with basic administrative tasks like stuffing envelopes or filing documents. Reward and compensate them when they provide value.

Encourage presence and participation in non-distracting activities close  to your workspace. Having them close by will keep them connected while making it possible for you to juggle work and family demands simultaneously.

You can be both present for your family and advance your career.  You don’t need to be superwoman to achieve this. 

Leave us a comment on what you thought of this post and share your most important take away.  We are here to help.  Click here for your Blueprint on Enterprise