Shannon Harvey - How To Avoid Financial Disaster: Protect Yourself From The 7 Biggest Risks You Face Daily

HOW TO AVOID FINANCIAL DISASTER

Protect Yourself from the Seven Biggest Risks You Face Daily

Shannon Harvey

2017 Shannon Harvey

All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations, embodied in reviews, and certain other non-commercial uses permitted by copyright law.

While great efforts have been taken to provide accurate and current information regarding the covered material, neither Shannon Harvey nor The Shannon Harvey Agency Inc. are responsible for any errors or omissions, or for the results obtained from the use of this information.

The name How To Avoid Financial Disaster is a marketing concept and does not guarantee or imply that you will avoid financial disaster. The act of publishing any book, course, or financial product holds no such guarantees.

The ideas, suggestions, general principles, and conclusions presented here are subject to local, state, and federal laws and regulations and revisions of the same, and are intended for informational purposes only. All information in this report is provided as is, with no guarantee of completeness, accuracy, or timeliness regarding the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to, warranties of performance, merchantability, and fitness for a particular purpose. Your use of this information is at your own risk.

You assume full responsibility and risk of loss resulting from the use of this information. Shannon Harvey and/or The Shannon Harvey Agency Inc. will not be liable for any direct, special, indirect, incidental, consequential, or punitive damages, or any other damages whatsoever, whether in action based upon a statute, contract, tort (including, but not limited to negligence), or otherwise relating to the use of this information.

In no event will Shannon Harvey, The Shannon Harvey Agency Inc., or their related partnerships or corporations, or the partners, agents, employees of Shannon Harvey or The Shannon Harvey Agency, Inc. be liable to you or anyone else for any decision made or action taken in reliance on the information in this book or for any consequential, special, or similar damages, even if advised of the possibility of such damages.

Neither Shannon Harvey nor The Shannon Harvey Agency, Inc. are engaged in rendering legal, accounting, or other professional services. If accounting, financial, legal, or tax advice is required, the services of a competent professional should be sought.

Facts and information in this book are believed to be accurate at the time of publication and may become outdated by marketplace changes or conditions, new or revised laws, or other circumstances. All figures and examples in this report are based on rates and assumptions no later in time than March 2017. Rates and assumptions are not guaranteed and may be subject to change. As in all assumptions and examples, individual results may vary based on a wide range of factors unique to each persons situation. All data provided in this book are to be used for informational purposes only. Any slights against individuals, companies, or organizations are unintentional.

For Susan, my awesome wife. You bring out the best in me.

I will always remember being 5 years old, seeing the movie Star Wars with my dad when it first came out.

I was in awe of the epic space adventure with all of its imaginative characters, to the point that I would beg my parents to buy me a Star Wars action figure each time we walked past one in a toy store.

Star Wars had the good guys of the Rebel Alliance, led by Luke Skywalker, Obi-Wan Kenobi, Han Solo and Chewbacca, Princess Leia, and the droids, C-3PO and R2-D2.

Of course, Star Wars also gave us the bad guys of the Empire, such as the villainous General Tarkin, Darth Vader, the army of Stormtroopers, and the Empires ultimate weapon of mass destruction, the Death Star... capable of destroying an entire planet!

There is also the one scene in the movie that scared the living daylights out of me. You may remember it.

Upon General Tarkins command, his minions scramble to crank up the Death Stars powerful laser beam. Then, Princess Leia is forced to watch helplessly as the Death Star blows up her home planet.

Can that really happen? Can the Death Star blow up the Earth? I asked my dad, frantically crawling onto his lap.

No, son. This is all make believe, he told me, explaining how the special effects in the movie were done with miniature models. There isnt anything that can blow up our world.

I still frequently recall that moment in my personal history. Particularly, those words my dad used to comfort me when I was scared during my introduction to Star Wars.

There isnt anything that can blow up our world.

You see, Im now in my 40s, with a wife and two kids of my own, and Ive come to realize my dad was wrong.

There actually is something that can blow up our world... at least our Financial World .

What is my Financial World ? you might ask.

Picture everything you own, whether its money in: checking or savings; investments (including stocks, bonds and mutual funds); 401k and other retirement accounts; equity you have in any homes; other assets or businesses you own; and income you now earn and may earn in the future.

Add up all of those things above, and that is your Financial World.

Now youre probably thinking: Is there really something that can blow up my Financial World ?

Yes, there is. Its kind of like a DISASTER STAR , and it is any one of many common daily risks that we all face each and every day.

A DISASTER STAR can blow up your Financial World , leaving you and your family in a state of FINANCIAL DISASTER ... which can almost be as bad as death itself.

Unlike the Rebel Alliance in Star Wars, I dont have to worry about just one measly Death Star floating around out there somewhere. I dont have that luxury because there are SEVEN different DISASTER STARS that can destroy my Financial World .

The same goes for you and everybody else.

For years, my job as a Trusted Risk Advisor has been helping people manage daily risks... or DISASTER STARS ... so their Financial World is safely protected. In this book, Ill explain to you in greater detail what the most common DISASTER STARS are, and how to protect yourself from them.

Ill also describe how to avoid THREE HUGE MISTAKES that usually lead to FINANCIAL DISASTER . The bad news is, like many individuals and families I have observed and worked with throughout the years, youre probably already making one of these THREE HUGE MISTAKES. The good news is, once you know how to recognize them, they are easy and inexpensive to correct.

So, thank you for reading this book! I truly hope it will help you and those you love to AVOID FINANCIAL DISASTER .

Always plan ahead. It wasnt raining when Noah built the ark.
Richard Cushing

The first risk you face daily is if you, or a relative living in your home, cause an automobile accident that injures or kills another person. Are the liability limits on your auto insurance policy high enough to pay for someones medical bills if their neck is injured, or if they died?

Andrew is a builder. He and his wife, Amber, have five children, three are grown and two are teenagers. Andrew and Amber were concerned about many things, particularly the fact that they were not doing enough to save for retirement. They had put a few things on the backburner while raising their family, and retirement planning was one of them.