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Wealth Accumulation

The opportunity to create and build a better financial future is available to most of us. Taking the all important first steps and getting good advice is crucial.

The secret is to know how to do it safely, sensibly and in a way that complements your lifestyle.

We regularly see the mistakes people have made. Too often wealth is destroyed in the pursuit of creating it. Current and future lifestyle is sacrificed to service poor decision making.

Some of the most common mistakes include:

• Too many eggs in the one basket.
• Jumping in at the deep end rather than dipping your toe in the water.
• Falling for slick sales presentations and seminars.
• Planning for clear skies only.
• Improper use of borrowed funds, which magnify gains and losses.
• Investing emotionally not rationally.
• Chasing the "quick and easy dollar".
• Failure to understand the longer term nature of investing.
• Inheriting common myths and misconceptions.
• Taking advice from the well meaning yet unqualified.
• Confusing speculating and accumulating.

The good news is there are strategies available to sensibly build wealth regardless of your circumstances. We are able to tailor a program that suits your needs of today, with the flexibility to cater for your needs of tomorrow.

Cornerstone assists clients build wealth using tried and tested techniques, not fads and misconceptions. A Cornerstone "Wealth by Design" program will address:`

• The need for diversification
• Your risk tolerance
• Your need for liquidity (access to cash)
• Sensible levels of borrowing (if appropriate)
• The fact that markets go up and down, often when we least expect it
• The reality that no one has a reliable crystal ball
• The need for appropriate timeframes
• The correct structure for ownership of your investments
• Your investments tax effectiveness
• Your need to strike a balance between living for today and investing for tommorrow
• Protection for your assets, your loved ones and your future

Talk to a Cornerstone Financial Adviser to find out how you can benefit from our "Wealth by Design" program.