Budgeting vs. Cash Flow Management
MASTER YOUR CASH FLOW
Get your complimentary copy of Budgeting Stinks! Then...
- Take 5-10 minutes to fill in a few numbers
- Find out your monthly "allowance"
- Walk away knowing whether you're on the right path to the financial future of your dreams...or if you're leaving money on the table.
You want guilt-free spending and to direct your money towards things that are important to you.
But there's a problem...
- Budgeting doesn't work because you're looking into the past rather than planning for the future.
- Your budget is too rigid (no flexibility) and you end up wondering where your money goes every month.
- Managing your cash flow is complex and it's hard to keep track of spending.
Visualize your money! Make a plan that tells your money where to go.
Start by getting your complimentary copy of the Budgeting Stinks!
Where should we send your copy?
Create a financial journey paved with clarity and confidence.
Empower yourself with this complimentary guide and gain control of your financial future.
GAIN CONTROL
Take charge of your cash flow and become a world-class saver.
SPEND GUILT-FREE
A worksheet to help you identify exactly how much you can spend worry-free.
SIMPLIFY
Simplify the complexity of cash flow to confidently make big financial decisions.
CREATE THE FUTURE YOU WANT
Move forward with confidence in the direction of your dreams.
Budgeting Stinks! will help give you clarity and control over your cash flow and provide a roadmap to financial certainty.
Start mastering your cash flow and get your complimentary copy of Budgeting Stinks!
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Check the background of Carl Lutz, Financial Advisor, on FINRA's BrokerCheck
Lutz & Associates | 69 Monroe Avenue, Rochester, NY 14534 | phone: 585.264.1111 | fax: 585.264.0103 Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, /SIPC . OSJ: 600 Delaware Ave., Buffalo NY 14202, 800-777-3411 PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Lutz & Associates is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures
This [material] is intended for general public use. By providing this content, Park Avenue Securities LLC is not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation. 7517120.1 Exp 01/27
