“Wealth is the ability to fully experience life.” — Henry David Thoreau

“If your outgo exceeds income, your upkeep will be your downfall.” — Bill Earle

Listen to guest host JJ Childers, local Little Rock attorney and occasional guest speaker on the David Lukas Show, talk about the benefits of financial education in the second installment of his Fiscal Fitness Series.

According to Childers, everyone is already or soon will be involved in real estate to some aspect in their lives, so why not gain the financial education required to make strategic informed decisions?

Today is the show and now is the time! Listen and learn about the IDEAL investment, as it relates to real estate, and the difference between good debt (debt that has the potential to add value to your life) and bad debt (debt that can hinder you from enjoying your life).

The acronym IDEAL means…

I – income (potential to generate income)

D – depreciation (deductions, in relation to taxable income)

E – equity (building value by paying into investment)

A – appreciation (the gain of value)

L – leverage (the ability to borrow money to gain an asset)

Because of Childers’ expertise in both business and personal financial law, he’s a great source of information regarding the pecuniary consequences of debt and poor investment choices.

To learn more about what JJ Childers at Keech Law Firm can do for you, please contact him at (501) 221-3200.

In the United States, where consumer debt is increasing at a staggering rate, the significance of wealth education is grossly unrecognized. Most young Americans haven’t acquired even a basic level of monetary know-how by the completion of high school, and they, unfortunately, fall into multiple forms liability because of their lack of general financial knowledge.

This week on the David Lukas Show, featured speaker JJ Childers, attorney and partner at Keech Law Firm, discusses the current lack of fiscal fitness in America and what we, as individuals personally vested in both our country’s and our own financial future, can do to savvy up money skills.

Childers also touches upon the importance of balance between good and bad debt. Taking out loans to buy a house and education can be necessary, usually positive, investments that accrue debt. But, just as in all things, the moderation of that debt is key.

Another costly mistake that people frequently make, according to Childers, is not educating themselves on their personal investments and retirement plans. He suggests delegation not abdication. Working with a team, in your own best interests, carries greater benefit than handing over your portfolio to an FA to invest for you. Remember, not all financial advisors have your best interests at heart—they get paid weather you make or loose money.

Attorney Kevin P. Keech founded Keech Law Firm, PA in April 2004 after practicing commercial law for several years at one of Arkansas’ largest business law firms. The firm brings valuable experience—providing quality legal representation and personal attention in the following areas:

To learn more about what JJ Childers at Keech Law Firm can do for you, please contact him at (501) 221-3200.

This week, on the David Lukas show, listen to featured guests Neil and Deron, of Denman, Hamilton and Assoc., speak once again about the many benefits of working with a Certified Public Accountant when it comes to both your taxes and your finances.

Listen to Neil and Deron go into detail about:

1) Budgeting Decoded. The steps needed to set a realistic budget that decreases debt and increases positive cash flow.

2) The three most common types of personal debt Credit cards, car debt and student loans are three types of debt many people carry at unnecessary cost.

3) Business Debt Businesses, no matter the size, carry varying amounts of debt. Many are unintentionally built upon a high debt structure that can be modified with the right guidance.

4) Acknowledging and stopping your debt cycle How to control spending and accumulate capitol.

Both low income and high wage earners alike are vulnerable to the pitfalls of taxation and debt. Denman and Hamilton know what it takes to start to safeguard and relieve you and (or) your family today.

To learn more about these proactive strategies, or speak with a Certified Public Accountant contact either Neil Denman or Deron Hamilton at: (501) 312-9491.

Denman, Hamilton and Associates serves clients all over the United States.

Listen to Neil Denman and Deron Hamilton, of Denman, Hamilton & Associates CPA, PLLC, discuss how CPAs can and should be utilized throughout the year—not just during tax season.

This week’s installment involves a candid conversation about Denman, Hamilton &Associate’s specific expertise in:

By implementing the proactive approach that sets them apart from other firms, Hamilton and Denman can execute the strategies needed to eliminate unnecessary or painful taxation.

To learn more about these proactive strategies, contact Neil Denman or Deron Hamilton at: (501) 312-9491.Denman, Hamilton and Associates serves clients all over the United States.

To learn about more financial strategies that are unknown by many CPA’s and Financial Advisors, contact David Lukas at: (800) 559-0933 or [email protected] or visit: DavidLukasFinancial.com

In this week’s installment of the David Lukas Show, David and Neil Denman CPA, of Denman, Hamilton & Associates, discuss how you can both increase revenue and add value to your current income through proven tax strategies that work for you—not against you.

By implementing the disciplined approaches that a seasoned CPA can into your current financial planning, you’ll eradicate lost opportunity costs by cultivating the miracle that is compounding interest.

CPAs aren’t just for tax seasons anymore either. According to Denman, “It’s not always about lowering taxes. We help individuals and business owners by driving revenues and raising incomes as well.”

Through the careful specific planning that a certified public accountant such as Denman provides, earners gain access to their money without having to pay additional taxes or penalties.

To speak with Neil Denman, of Denman, Hamilton and Associates personally contact him at: (501) 312-9491.

The concept of capitol isn’t complicated. We need it to fund our lifestyles, businesses, and retirements. Finding ways to keep as much of our hard earned capitol, as possible, can be. To learn more about these uncommon strategies, contact David Lukas at: (800) 559-0933 or [email protected] or visit: DavidLukasFinancial.com

To Error Is Human—Right?

We, humans, are presented with multiple opportunities to make potentially damaging financial mistakes everyday.

When you’re young and in the first half of your financial life, such mistakes are typically not as painful to shrug off. But, as you power toward retirement, the second half of your financial life, such blunders become much more…costly.

Two of the most common mistakes savers make is paying taxes on the same dollar twice and loosing the miracle of compounded interest. Neither of which are necessary. Such life-experiences can be avoided by putting your money into a specifically structured IRA or LIRP. Thus eliminating the over-taxation of your hard earned retirement funds. Instead, you position yourself into a taxed advantage situation that eliminates lost opportunity cost.

Does all of this seem too hard to wrap your head around? Are you wondering why nobody has told you about a WorryFree Retirement? Are the financial mistakes you’re making today hindering the security of your financial future?

If you answered yes to one or even all of these questions call David Lukas ,  to make a risk-free appointment today. Office: (501) 218-8880, or Toll-free (800) 559-0933.

Meeting with David is free and holds no obligations to you. And because the more you make the more the government takes, there has never been a better time than now to take control of your financial future.

sav·er

ˈsāvər/

Noun

Plural noun: savers; suffix: -savers

1. To rescue or preserve from harm, danger, injury, etc.; make or keep safe

2. To prevent or guard against loss or waste

-Dictionary

What does it truly mean to be a saver? Well, as it turns out it all boils down to psychology. How we think about money isn’t just a learned trait—it’s engrained into our financial DNA. In this week’s installment of the DL Show, David Lukas explains how a saver’s genetic makeup differs from that of the other two types of financial personalities [investors, speculators].

 Your job is to confirm that what the financial world is in the business of peddling is in your best interest - that the products and strategies are in line with who you are and what best suits your financial personality.  The Tree Personalities of Money® provides you the confirmation you need to avoid the trappings of the one size-fits-all mentality that are bombarding your mind on a daily. Wall Street has no intentions of safeguarding your hard earned retirement funds, so that leaves it up to you. If you’re more concerned with protecting the return of your money than seeking higher rates of return on your investments the time toact is now.

Let David help you take the necessary steps needed for financial freedom. Protecting what you have has never been simpler.

By following the 5 Simple Steps to The WorryFree Retirement® you can be well on your way to  being Worry Free.

Call now and make a no strings attached appointment today. Find out how The WorryFree Retirement® process can help you worry less about money at the same time you  enjoy and use your money. Find out what it means to have guaranteed income that you can never outlive.

Office: (501) 218-8880

Toll-free: (800) 559-0933

Are you a saver? Find out by taking the test: 3Personalites.com

On Wall Street, it is believed that “he who makes the rules makes the money.”  That’s a great mantra, if you happen to be the one cashing in.

Unfortunately, as it turns out, most of us aren’t cashing in because we only know the rules, of this ever-changing game, as they’re explained to us. Wall Street knows and takes full advantage of this fact!

On this week’s episode of the DL Show, David revisits the idea, originally established by his partner Tony Walker, of helping savers worry less about money® during the second half of life.

Tony’s The WorryFree Retirement® speaks in depth about how his 20+ years of experience within the Wall Street Machine have changed his unique approach toward retirement planning for the better.  By both understanding and recognizing The Three Personalities Of Money®, Tony has helped thousands of people identify and utilize their financial DNA, and in return sleep better at night knowing, not just hoping, that their money is safe.  Tony’s practice in the financial trenches allows for him to know, not just speculate, how Americans should be planning for retirement.

If you haven’t taken the three personalities test, visit 3personalities.comand discover which of the three distinct personalities you are.

There will never be a better time than now to take the necessary steps in safeguarding your future by experiencing a The WorryFree Retirement®  for yourself.  Learn more about this safe, simple and unique process by going HERE

For more information on how best to take maximize your financial DNA, call David Lukas with Infinite Financial Services today at (501) 218-8880. Remember, there is never a cost or obligation to meet with David.

Also pick up a copy of The Three Personalities Of Money®, Book HERE

On this week’s episode, David talks about the many ways he and his recent partnership with Tony Walker can Help Savers Worry Less About Money®.  During last week’s episode, David spoke about his ninety-eight, soon to be ninety-nine, year old grandmother Edna and the fact that 30 years ago, after her husband Franks death, she started to and still to this day is receiving monthly income from his retirement plan. 

 Frank, who started working for a Continental Baking Co. in 1953, is still providing for his wife, after death, with guaranteed Mailbox Money® that will come to her monthly, for the rest of her life. 

 According to a recent study and survey, 61% of Americans are more fearful of outliving their money than they are about dying.  David validates this fear in his book Who’s Future are You Financing, by noting that the elderly now make up 2.7% of the U.S. population. The largest group, people between the ages of 90-94, has also grown the fastest, with an increase of 44.6% sine 1990.  This is a huge increase considering that the average life expectancy back in 1900 was around forty-seven years old. 

 So what’s a real solution for a real problem?  First, we need a re-education on annuities. This is easily accomplished by downloading the Annuities Decision Guide. By demystifying the idea that they’re too complicated to understand. The author, Tony Walker, explains how each of the four types of annuities can be advantageously applied to your retirement plan. 

To learn more about how the four types of annuities can benefit you and your retirement portfolio, call David Lukas, (501) 218-8861, at Infinite Financial Services. David has partnered with Tony and his WorryFree Retirement® network to help his clients implement the WorryFree Retirement® process. It’s unlike anything in the industry.

 What is your financial DNA? Are you a Saver, an Investor or a Speculator? Learn about the three personalities of money and take the test today at: 3Personalities.com 

What if you could invest in something that could guarantee income for life like Granddad had?  

David talks about the fact that till this day, his soon to be 99 year old grandmother, Edna Lukas still receives a check for the last 30 years from Granddad's (Frank Lukas) retirement, well after granddad  passed away.  Most people feel there's no hope of having a retirement like granddad. 

On this week’s installment of The David Lukas Show, David talks about how his recent Partnership with Tony Walker, author of Don’t Follow the Herd, The Worry Free Retirement and The Three Personalities of Money, will benefit “savers” with their retirement plans.

Walker created his uniqute process, The Worry Free Retirement, to alleviate the anxiety savers feel about outliving their money after retirement. And, because both David and Tony believe a retirement plan should be built upon an individual’s vision for their own future, they sincerely feel it should also fund your future—not Wall Street’s.

Now is the time to act! By not following the herd, savers like you can safeguard your precious funds from market corrections and provide themselves guranteed mailbox money for life. If you are in the 2nd half of life and are at or near retirement, can you afford another 2008 market correction? If you are a Saver there is nothing correct about "Correction". Remember, there's a big difference between your "I hope so money" and "I know so money".

Call to put The Worry Free Retirement Process to work for you. Call David Lukas, (501) 952-3090

You can pick up a copy of Don't Follow The Herd HERE (Go to "Extras" in from your David Lukas Show App)

Are you a Saver? Find out now by taking the test at 3Personalities.com