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2 YOUR PICTURE Headline section for you (see my example on next page). You can always just use name, title, and company if you want to keep it simple. Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc Example bio and professional information about you, your services, company, etc
3 What Does an Old Movie Have to Do With One of Northern Virginia s Premier Real Estate Minds? The Answer May Surprise You. It may seem odd to think that a leading real estate broker and an old black-and-white movie have anything in common. Once you meet David Zadareky, however, you ll find nothing could be further from the truth. You see, the movie in question, It s a Wonderful Life, has actually come to serve as a guiding light for David, and to this day, it is a continuing source of personal and professional inspiration. To this day, David still watches It s a Wonderful Life several times a year. It gives him a chance to reflect on his own life as well as his commitment to his customers. The magic comes from caring more for others than for yourself. You see, doing something for yourself can be gratifying, but doing something in the service of someone else is satisfying on such a deeper level. Once you ve had a taste for it, you ll never want anything else. David still continues to do business like George Bailey did, with a handshake and a smile. He strongly believes in working on a personal level with clients. By getting insight into your personal goals and aspirations, David can help you determine the best path for you to take to obtain your next home. Today, like so many other aspects of our lives, the real estate industry is changing. When you work with David you ll find his main concern is making the process as easy as possible for you. Whether you re buying your first home or selling your last, David will break through the confusion and find a simple path that is right for your family s needs. Unwilling to settle for business-as-usual, David and his team continue to exceed expectations. As a result, they ve catapulted to the forefront of the real estate industry. Indeed, more and more home buyers and sellers in Northern Virginia are calling on this premier team for all their real estate needs. Building Wealth for Life is a direct result of David s ongoing determination to help more people realize their financial goals. We appreciate the opportunity to be of service to you and your family and look forward to hearing from you soon.
4 The American Dream. While it is still talked about every day, fewer and fewer people today are achieving what their parents did only a generation ago. We want to change that. It begins with the proper knowledge of what building wealth really is, and having a team of trusted advisors to make it happen. Please take the time to review and reflect on these seven key areas of your life as they will be instrumental in achieving financial prosperity. We hope that you find value within these pages, and that you trust us to help you along your journey. To the dream, <Your Name> & David David Zadareky is a real estate professional. The information provided here is not, nor is it intended to be, legal or tax advice. Every individual person and situation is unique. We recommend you seek the advice of both legal and tax professionals prior to making decisions and taking action.
5 1. Home Ownership 2. Savings & Cash Flow 3. Taxation 4. Insurance 5. Investments & Retirement 6. Wills & Intentions
6 Total Payments A Big Decision Sure, you realize buying a home in Northern Virginia is a big decision. But do you know exactly how big? For most people, buying a home is the biggest financial decision of their lives. Not only will you be paying for your house for the next 15 to 30 years, you ll also pay back two to three times the initial purchase price depending on your interest rate. Buying a home with a $500,000 mortgage? With a 5% 30 year fixed rate mortgage you ll end up paying $966,278 over the life of the loan in principal and interest payments! $1,600, $1,400, $1,200, $1,000, $800, $600, $400, Interest Principal $200, $- $250, $500, $750, Loan Amount Maximizing Savings Most buyers don t realize they leave thousands or even tens of thousands of dollars on the table when purchasing their home. And those lost dollars aren t just in the purchase price, but also in loan costs and fees, terms of the loan, property deprecation and future home ownership costs. Considering the tremendous size of your financial investment, wouldn t you like to maximize savings at every step?
7 Plan for Success Unfortunately, despite the magnitude of the home-buying investment, most buyers and even most real estate agents don t have a clear, comprehensive system for managing the multitude of variables inherent in the home-buying process. The result? Costly mistakes such as overpaying, purchasing a home that requires too many repairs, or a home that doesn t appreciate in value. The 5 Home Buying Fundamentals At David Zadareky and Associates we recommend following a system that provides a crystal-clear, comprehensive plan for home ownership designed to not only help you find the right home at the right price, but also position you to maximize your net worth over the long term. A truly comprehensive system will include these five key home buying fundamentals: Lifestyle & Quality of Life The first fundamental is likely the one you ve thought most about. It includes many factors including location, size of home, schools, commutes and amenities. This is a complicated and sometimes combustible mixture of competing desires. We recommend enlisting a highly experienced professional real estate agent to help you prioritize your wants with your financial budget. A true pro will not only help you prioritize but also help you avoid some blind spots in your decision making process with information you may not have or yet considered. But, Lifestyle and Quality of Life is only a start, to achieve home-buying success, your home search must incorporate the other four fundamentals. Financial Choices Purchasing your home will require a seemingly endless list of financial choices including loan type and terms, interest rate, down payments and much more. Look for an impartial expert to guide you step-by-step through this complex financial process to ensure a loan payment that is within your comfort zone and prevent you from overpaying for your loan. We also recommend utilizing an innovative real estate brokerage like David Zadareky & Associates that offers a closing cost credit program when utilizing their services. In our business model we provide a
8 credit of up to 1% of the sales price towards your lender allowable closing costs. This credit can be used to buy down your interest rate, or simply reduce your required cash to close. What may seem like a small difference today can add up to a huge amount over time. For example, a $5,000 closing cost savings invested over 30 years at 8% would add $50,313 to your net worth. Analysis of your Home as an Investment For most, the home is the largest component of their wealth, so it s important to consider its appreciation potential by closely analyzing the factors that drive value over time. This alone has the potential to add tens or even hundreds of thousands of dollars to your net worth yet is overlooked by nearly all buyers and their real estate agents. In addition, make sure to evaluate the home s underlying rental value as having a solid rental base can help you avoid having to sell in a down market and allow you to hold until the market recovers. Lastly, stay on top of market trends by subscribing to local market value report. The national media is horrible when it comes to reporting on the housing market. There is no such thing as a national market. There is only one market that matters yours. Future Home Ownership Costs & Responsibilities It s essential to be aware of and comfortable with the ongoing costs and responsibilities of your home s ownership, because maintaining your home is essential for maintaining your investment. Make sure to examine the range of ongoing costs your likely to experience so you re fully aware of your financial commitment. The best way to do this is with a thorough home inspection at the time of sale, but also to take the time to familiarize yourself with the estimated replacement cost of the home s major mechanical components and major remodeling expenditures you re likely to face during your ownership horizon. We also recommend having a home inspection done on your property every few years to keep up with any required repairs. Proper maintenance will save you a small fortune in future expenses. Exit Strategy -- The best plans begin with the end in mind. When it s time to sell your home or convert the property into an investment you ll want to utilize a proven process to maximize your home s market value and minimize any necessary transaction fees. In our opinion, the traditional model of real estate brokerage is broken and you can significantly enhance your net worth by utilizing innovative and more cost effective brokers such as David Zadareky & Associates. Do your research;
9 don t just settle for working with a friend or family member. The broker you hire to help you sell your home could increase your net profit by 5-7%, and not all brokers Value are created equal. For example, on a $500,000 home the right broker could add potentially $25,000 - $35,000 more money to your bottom-line. The impact to your net worth over the following 30 years is staggering. Invested over 30 years at an 8% annual return returns $251,566 - $352,192 to your net worth. Choosing the Right Broker Could Add Over $400k to Your Net Worth $1,400, $1,200, $1,000, $800, $600, $400, $200, $- Start Year 5 Year 10 Year 20 Year 30 Closing Cost 8% $5, $7, $10, $23, $50, Property 3% $500, $579, $671, $903, $1,213, Sale Increased $35, $51, $75, $163, $352, Better Information. Better Process. Better Decisions. In home ownership, smart choices lead to great results while poor choices result in costly mistakes mistakes that may haunt you for decades to come. Don t leave this major life and investment decision to chance. When it s time to buy, or sell, make sure you enlist the services of an expert real estate broker that can help you maximize your net worth.
10 It s not how much you earn, but how much you save. While this statement might not be completely true, there is a lot of financial wisdom in its simplicity. Truly building wealth begins when you decide to start saving, and doing it the right way. Here are some important points towards managing your growing wealth. 1. Start Auto-Saving Today Just like many people have auto-pay for their bills (which is a great idea), many others auto-save by having money from their checking account automatically routed into one or more savings and/or investment accounts. 2. Rainy Days Will Come It is also important to specifically save for emergencies. A smart plan is to have 3-6 months of your monthly income set aside in its own account. 3. College Comes Soon Paying for your children s college tuition doesn t have to be an insurmountable task. The key is to get started early, and use Education Savings Accounts (ESAs) and/or 529 plans. 4. Build with your Banker It is important to talk with your Banker about your financial goals so they can offer their bank/credit union s resources to you and your Financial Advisor. Also, your bank may offer many programs to help you build your savings, and simplify your daily cash flow. It s
11 important to know the tools you have access to as you implement your wealth management plan. While it is one of the two certainties in life, many people don t pay enough real attention to how their taxes are done, and how other areas of their wealth management plan are affected by it. The No. 1 rule is to use a professional. In 2011 the Government Accountability Office ran a study, and here is what was found from their results for one year. Over 2.2 million people overpay the IRS. $1 billion dollars in tax savings were lost. 61% of homeowners missed deductions. This included people who used professional level do it yourself tax software. On average, the average person would have received $350-$850 more if they used a professional. The truth is that often when people try to save time and money they actually end up paying more. Overpaid? You have up to 3 years to file an amendment to the IRS to reclaim money you lost when originally filing. Talk with your Financial Advisor about your investment holdings to make sure their organized for tax savings. Have a plan for your tax refund. How you use that money makes a world of difference towards consistent wealth growth.
12 Insurance may not be one of the first things that comes to mind when people think about wealth management, but it is critical to the long term success of your growth and security. After many people handle the everyday insurance products for their cars and health, there are still four more policies no one should be without. 1. Life Insurance You want to make sure you have a term life policy (vs. a cash value), and 8-10 times of your annual income set aside in that policy. This will help your family replace your income through reinvesting should the unthinkable happen. Please also note to always be updating your policy as life changes, and more coverage is needed. A new child, a promotion, new house, or other big event can impact your security, and the insurance needed to cover it. 2. Long-Term Disability It will never happen to me. Except that it does, to millions every day. In fact, 3,000 Americans become disabled every hour (49 every minute). And with Social Security benefits for disability being just over $1000/mo. long term disability insurance becomes indispensable to protecting you and your family. 3. Long-Term Care Many people need care as they get older, and there is a chance you might need it too. Long-term care insurance helps protect you and your family against the rising costs of
13 care facilities, professional help, and other costs associated with aging. While it may seem like a long way off, it is important to include it in your plans for when the time comes. 4. Homeowner s/renter s Insurance Fire, flood, burglary, and other disasters are something everyone who owns or rents property should protect themselves from. Renters insurance is fairly affordable, and no tenant should be without it. Homeowners should purchase a policy that has guaranteed replacement costs, which covers the increased value of your home over time (vs. the time you took out the policy).
14 Failing to Plan = Planning to Fail Building a solid investment strategy takes time, and good planning. Not only do you need to sit down and talk with your Financial Advisor about your goals, but you also need to have the endurance to see them through. Get Started with Questions Knowing what your long-term goals are is the beginning of a sound investment strategy. Specificity is important here, so break everything down. 1. What age do you want to retire? 2. What type of lifestyle do you want? 3. Vacations? Trusts? Charity? Long term care? About Those Eggs The saying about not putting all of your eggs in one basket is true. In investing you need to diversify. Talk to your Financial Advisor about how to best use products such as 401(k)s, Roth IRAs, mutual funds, ESAs, bonds, real estate, and more. Keep Your Eye on the Ball Stocks rise and fall, and values of investments go up and down. An investment plan gives you focus so that you are not reacting the next time the stock market takes a hit. Stick to your plan, and stay on course.
15 What will your financial legacy be? An important part of your wealth management plan is to protect and ensure its longevity in the event that something unexpected happens to you, or just for when time eventually takes its course. Nationally known personal finance expert Dave Ramsey recommends that you have what he calls a Legacy Drawer which houses all the important documents you ll need to ensure your wealth is passed on to those you love. 1. Cover Letter - a simple letter introducing your loved ones to the Legacy Drawer, and leaving any special notes you may want to add. 2. Will & Estate Plans - this is one of the most important documents you can possibly leave for your loved ones as it will save them years of paperwork, frustration, and time. Talk with your Estate/Trust Attorney to map out your wishes for you and your spouse. Include your Last Will, Living Will and Power of Attorney, as well as any other special directives you may have created. 3. Financial Account - a full list of anything that you have money in with names, amounts, and account numbers. 4. Funeral Instructions - have all of your wishes cleanly laid out so it makes it easy for your family once you ve passed. Your spouse should have a copy as his/hers as well.
16 5. Insurance Policies - organize all of your policies into a single document for easy reference. Include type of policy, who it s for, contact info, and policy numbers. 6. Important Documents - deeds, birth certificates, Social Security cards, and other important documents go here. 7. Legacy Letters - a legacy goes beyond the financial. Use these letters to share personal notes with your loved ones, whether written, audio/video, or visual. 8. Monthly Budget & Bills - this document will help your spouse and/or loved ones keep things running once you re gone. Include a copy of your monthly budget, plus the contact info and bill amount for all services. 9. Tax Returns - these help protect your loved ones in case you get audited by the IRS (it happens). Protect your estate and last wishes by keeping up to date copies. 10. Passwords - make an easy to use reference list of all accounts, usernames, and passwords so your loved ones can access any files and info when you re gone. 11. Safe Deposit Box - keep a copy of all the files inside your Legacy Drawer in a safe deposit box (expect the unexpected). Leave a note in your Legacy Drawer as to the location of the safety deposit box, and who has access to it.
17 Moving forward is as simple as 1, 2, Move Forward with Your Home Journey and Consider Your Options Whether you are looking to sell, buy or are just considering your future options, we would like to be there for you. Please let us know how we can help. 2. Build Your Team of Wealth Advisors Building wealth for life is a big effort that takes a lot of planning, and special knowledge. Please let us know if you need an introduction to one of our Trusted Advisors. 3. Share This Guide with Your Friends & Family They say knowledge is power, and with wealth management it is even harder these days to stay on top of everything that s changing. This is why we would like to encourage you to share this booklet with your friends and family so they too can begin the journey of building wealth for life. Call <Your Number> or Contact Me Online Here to Get Started Today! We re ready to help and will do so at a pace that suits you and your needs. Hyperlinked to your or a contact page.
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