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Description

Money is a very complex emotional part of life. Our society sends very mixed messages to its importance and we get very extreme messages. On one side, money is everything and will solve all our problems and on the other extreme, it is the root of all evil. With such conflicting messages, it is easy to see why most of us are torn and confused. At Harford Financial Group, we believe in life centered financial planning. Simply stated, life centered financial planning is living the best life possible with the money and the time you have. One of the most important questions is, Am I managing my money in a way that is improving my life? Do my financial decisions align with my values and what is most important to me? We believe that money in and of itself is not the goal. Rather money is just a tool to get you to where you want to go. It is more important to have a return on life (ROL) than a return on investment (ROI). In our experience, what we find is most important to our clients are the things that bring the most meaning and purpose to their lives which include their family, friends, faith, work, and passions. The top reasons for having money we find are: (1) being able to provide for family (2) getting good medical attention when sick (3) staying healthy (4) being able to help family (5) being able to have and enjoy more free time (6) able to contribute to worthy causes and (7) being able to have fulfilling experiences such as travel. The way we like to describe it is life centered planning is like the solar system. Your life and what is important to you is the sun and your money is like a planet that rotates around it not vice versa. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Harford Financial Group and Cambridge are not affiliated.