Funding Your Bigger Future
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Funding Your Bigger Future - Phil Randazzo
What Others are Saying About
Funding Your
Bigger Future
"I am the exception to Phil Randazzo’s primary principle in Funding Your Bigger Future; I was able to position and then sell a business for a life changing amount of money. In retrospect, I am able to appreciate the good fortune and strong business practices that led to this success. I am the exception, definitely not the rule. Phil’s message in this book is wise-- manage your business and personal finances with a long-term perspective. The good news is that this strategy will not eliminate a landmark financial event for you, but it will prepare you in the event."
– Stuart Engs, Entrepreneur
One of the reasons most people don’t plan for their future is because they don’t know how to
think about it. Some pieces require making short term sacrifices. Others are just too complex. Others
think there are just too many moving pieces, so it’s easier to
think about today and leave the future, for the future. Funding Your Bigger Future uses the power of story in a very realistic and understandable way; helping the reader learn how to
think about planning for retirement. I have been in the financial industry for over 20 years and the book helped me learn that the steps are a lot easier than I had been
thinking. My stay home wife learned that funding our future was far less complex than she had been
thinking. Funding Your Bigger Future has helped me and my wife learn how to
think through our biggest obstacles and has inspired us to take action to help make our future a reality.
– C. K, Senior VP Trust Department
This book is loaded with practical ideas you can use to achieve and maintain your financial independence - FOR LIFE
– Brian Tracy, Best Selling Author- No Excuses!
"Funding Your Bigger Future isn’t just about generating more financial security. This book looks at the practical aspects of life, and shares many encouraging ways for living fully. Reading this book may feel like an Angel is sitting on your shoulder, whispering reminders of what you are really living for!"
– Paul Chek, Holistic Health Practitioner-
Founder, C.H.E.K Institute Founder,
PPS Success Mastery Program
As a commercial banker of more than 25 years I have witnessed two recessions and two decades of the most robust economic growth. During this time I have personally reviewed thousands of personal financial statements. Regardless of the economy, one common disappointment prevailed with individual balance sheets. Seeing incomes ranging from a few thousand dollars to many millions, seldom did I witness anyone really dedicated to retirement planning. This book should capture the attention of virtually every reader. It may push you to action that you would rather worry about tomorrow. From my experience, this book should be your immediate guide today.
– Larry Scott, Retired Bank CEO
The concepts around building a household financial plan can be daunting. This books boils down the key tenants to building a plan towards financial freedom into simple examples that will resonate with all readers. Everybody should come away from reading this book willing to take action.
–Todd Kafka, Regional Manager, Cisco Systems
Funding Your Bigger Future: A Step-by-Step Guide for
the Journey Towards Your Financial Freedom
Copyright © 2013 Phil Randazzo
All Rights Reserved. No part of this book may be used or reproduced in any manner whatsoever without the expressed written permission of the Author.
Funding Your Bigger Future™, Funds and Buckets™, Walk Away Fund™, and Great Memories Fund™ are all trademarks of the author.
Address all inquiries to:
www.FundingYourBiggerFuture.com
Published by:
Aviva Publishing
Lake Placid, NY
518-523-1320
www.avivapubs.com
ISBN Hard Cover: 978-1-938686-03-0
ISBN Paperback: 978-1-938686-48-1
Library of Congress Control Number: 2013906006
Edited by: Tim Polk
Cover Design & Interior Layout: Fusion Creative Works,
www.fusioncw.com
Printed in the United States of America.
First Edition
For additional copies, please visit:
www.FundingYourBiggerFuture.com
Dedication
To my parents, both natural and stepparents. How you guys put up with me is beyond me. THANKS!!
To my dad who didn’t make it to see or read the book—thanks for pushing me. We all miss you. Say hi to everyone and continue to protect our families.
To my sisters, who have the most positive attitudes of anyone I know. To all my stepbrothers and sisters who I consider part of my family—you guys are awesome! I still remember sharing that one shower among seven of us. (Pretty disgusting, now that I think about it!)
To everyone I’ve worked with—having a great team is critical to success! I’ve learned from every one of you.
Finally, to my family—you guys are awesome and put up with so much from me, including moments of my craziness, bouts of anger and frustration, competitiveness (ping pong, pool, business, you name it). I’m so proud of all of you kids, you’ve done remarkably well! Remember, family first, then pursue your passions. Money will follow. Have FUN! You guys grew up too fast! I wish I could go back to when you guys were all under the age of five. To my wife, Jennie—crazy, we did so well! From a Honda Civic with no air and living with friends in Las Vegas, delivering newspapers and magazines at night, to owning all that we have now…. It seems surreal to even think about this. We are blessed. Thanks for putting up with me and offering to get more adventurous
in our old age. We’ll have some fun!
And finally, to our Veterans—we all owe you a debt of gratitude. I can’t thank you enough for all you’ve done to keep this country great.
Contents
Foreword
Introduction
Prologue
Chapter 1: A Good Year
Chapter 2: The Ugly Baby Syndrome
Chapter 3: Real, Actual Planning, Then Action
Chapter 4: Funds and Buckets
Chapter 5: Good Times Spending
Chapter 6: Not Your Typical Diversification Plan
Chapter 7: Rock Solid Asset Protection
Chapter 8: I Love California (and other High Tax States)
Chapter 9: Giving Back (Time and Money)
Chapter 10: The (Most) Important Things in Life
Epilogue
PART 2: Implementation Guide
Appendix 1: Recap of Key Points
Appendix 2: Your Retirement
Appendix 3: Ideas Into Action
Appendix 4: For Sale
Appendix 5: Helpful Tools
About this Book
About Phil Randazzo, MBA
Acknowledgements
Foreword
Congratulations! If you’re reading this book, you’re already in the top one percent of your peers.
My goal for writing this book is no less than to change your life by providing you opportunities for Freedom! It’s happened to me. Can it happen to you? YES!
The book has been carefully designed to make it simple yet effective. It has short chapters, each of which ends with a Game Plan
. The Game Plan is designed for you to TAKE ACTION. By this I mean to take action NOW; not tomorrow, not for a to do
sometime in the future. Right now! I can’t tell you how many times I’ve meet with clients and asked them to schedule a meeting with an estate planning attorney or schedule an exam for a life or disability policy, and it never got done…and then it was too late. Believe me, it’s happened more than you would think. At the end of each chapter, do the exercises, schedule that appointment, and go to the resource center available to you on the Funding Your Bigger Future website. Stop putting things off!
What’s more, I suggest that you capture the ideas presented in this book. Use a highlighter; jot notes in the margins; dog ear
pages; get into the story. Actively seek that one idea or thought that will make your time spent reading this book valuable to you.
Why do I think I’m uniquely qualified to write this book? Probably the biggest reason is this: I eat my own cooking!
Now, do I like eating my own cooking all the time? NO! I want certain things; in fact, I have even gotten jealous and envious of others that have things I don’t have. I crave to want to NOT want
if that makes sense. More cases