Cash Flow Mapping
Most budgeting tools are really expense tracking tools. We see the value in tracking your expenses but first you need to know how much you have available to spend. It is the difference between looking in the rear view mirror versus out the windshield. The rear view mirror tells you where you have been. Looking out the windshield shows you where you are heading.
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Lutz & Associates | 69 Monroe Avenue, Rochester, NY 14534 | phone: 585.264.1111 | fax: 585.264.0103 Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, /SIPC . OSJ: 600 Delaware Ave., Buffalo NY 14202, 800-777-3411 PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Lutz & Associates is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures
This [material] is intended for general public use. By providing this content, Park Avenue Securities LLC is not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation. 7517120.1 Exp 01/27
