Wealth may not be everything but it certainly makes other aspects of life more comfortable. What does wealth mean to you?

• Does it mean being able to buy the things that you want?

• Does it mean having more time to spend with those you love?

• Does it mean being able to vacation regularly?

Having wealth encompasses all of the above plus:

• Having the freedom to choose your lifestyle
• Protection for you and those you love from life's unexpected twists and turns
• The ability to retire
• The opportunity to help others
• The satisfaction of passing wealth to future generations

How does the acquisition, maintenance and enjoyment of wealth occur? The Construction of Wealth is the most apt analogy for illustrating the basic process:

• If debt and taxes aren't controlled and minimized, little else, if anything, occurs.
• Short-term savings fund our current lifestyle and offset the unexpected.
• Long-term savings fund our retirement lifestyle and whatever else we hope to do both before and after death.

Sadly this isn't an automatic process. In fact we are all fighting a financial three front war! Our enemies are:

• Madison Avenue - Attempts to seduce us into buying things we don't need and cannot afford often resulting in huge debt and the attendant interest.
• Wall Street - Wants to use our money to make itself money.
• Government - Which believes we're taxable entities.

How is this accomplished? We wage the financial war with a three step campaign.

• Process: The discovery of our wants, needs and goals.
• Strategies: The development of the financial plan that will fulfill our wants, needs and goals.
• Relationship: Ongoing monitoring and implementation of the financial plan for our long term benefit.

Process: The discovery of your wants, needs and goals. Information gathering and analysis, LEAP systems; EMoney, One Source Financial Profiles, Risk/Reward determination as well as the use of the resource provided by associate firms.

Strategies: The development of the financial plan that helps fulfill our wants, needs and goals. Wealth accumulation, protection and enjoyment strategies coupled with the use of attorneys and CPA's and correct product implementation (IRA, Roth, 401(k), money market, CD, annuity, life insurance, etc.) will help achieve your objectives identified in the process stage.

Relationship: Ongoing monitoring and implementation of the financial plan for your long term benefit. The process that keeps our ongoing partnership moving according to plan and at the same time allowing for adjustments and corrections due to changes in your life and/or market/economic conditions.

We can help you with your financial situation. It's not a matter of what you make, but it is a matter of what you end up with that makes the difference between merely living well and finishing well. Keep more of what is yours and have more control over your assets.

Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC and Hill Country Financial Services are not affiliated. Securities products are limited to resident of Texas. Additional products and services may be available through Texas Hill Country Financial Services that are not offered through AIC.

This is not an offer of securities in any jurisdicton, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registerd Representative. Read it carefully before you invest or send money. A Representative from Texas Hill County Financial Services will contact you to provide requested information.

Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.