Accepting change to reorganize your finances

Successful people very quickly identify for themselves that they have a problem in organizing their finance and need proper risk protection from savings plan using perm life insurance with tax free cash accumulation to income disability insurance to protect overhead costs of their business.

Let me help you find the money to allocate for long term savings with life insurance protection and income disability using the Living Balance Sheet.

For example if you are spending money already for bonds, term insurance, risky savings and investments and idle money, I can help in reallocation of your assets for better protection and long term guaranteed, liquid and safe rate of return.

I am available 24/7 as your personal finance concierge with team of advisors and use of Living Balance Sheet tool for holistic financial planning.

Connie Dello Buono


CA Life Lic 0G60621

The Future Is For Real: Succession Planning Reframed by Lewis J. Walker, CFP®; and Maria C. Forbes

The 2014 movie Heaven Is For Real gives one pause to ponder the future. After life, what’s next? Colton is the real-life son of Todd and Sonja Burpo.

The film chronicles a near-death experience when Colton was a young child. The family was incredulous over his miraculous recovery from an emergency appendectomy. More amazing was the story that emerged afterwards—an account of Colton’s trip to heaven and back, details involving long-deceased relatives and other facts that had never been revealed to the 4-year-old boy in his short lifetime.

There are believers, nonbelievers, and skeptics when it comes to concepts of God, heaven, and hell. Your view of such things will color your perception of the future and how you earn money and deploy resources.

C.S. Lewis in his masterwork, The Screwtape Letters, observes that human beings “live in time,” whereas God, angels, and spirits, do not. Our earthly sojourn is measured in years and most financial life planning decisions are based on assumed time frames. How much time is deposited in our personal time bank, we do not know. We all will have a last day. What impact will your last day have on your practice, your associates, family, clients?

Your future is for real. Do you have a plan for living well, with passion and purpose? Living well is not just about money or financial security, although as psychologist Abraham Maslow observed, you must feel secure before you can move to higher levels of self-actualization.

Early in your career, your main focus is on establishing a practice, paying expenses, and taking home enough to sustain self and family. Philosophical musings and thoughts of a higher order come with time, experience, and financial success.
Our profession also evolved. We moved from commission-based survival to fee structures and client-centric planning. In the beginning, “financial planning” itself was a specialty; now there are niches and specializations within the financial planning umbrella. Thinkers like George Kinder and Dick Wagner, co-founders of the Nazrudin Project in 1994, introduced a life planning focus, bringing money issues into a bigger picture. We recognize that money plays a role in our future, but there is far more involved than that. Do we ask ourselves the same questions that we ask of clients? Often, we do not.

Aging and Succession Planning

True well-being involves meaning and purpose. What challenges will you face in the next 10 years, and 10 years beyond that? What will have transpired in your life, that of your family, and that of your practice and associates? What constitutes financial, emotional, physical, and spiritual success? Have you recognized the linkages between all four?

You plan for major events in life—coming of age ceremonies, college, weddings, vacations, business and professional growth, major purchases, and retirement. You may have marketing and business plans. Do you have a comprehensive plan to age well, to grow purposefully into your future? You will leave your practice someday—voluntarily or involuntarily. How will you extract the value that you have built, either for retirement or heirs? Have you provided for succession with a well-crafted plan

We know financial advisers who died young, and due to a lack of planning, left a mess. If death came like a thief in the night, what would be the impact on your family, associates, employees, clients, and your legacy? This is not something to be thought about only when you receive an AARP membership in the mail. Those who are potential successors to aging advisers and are just starting to build something of value need to consider issues of business growth and continuity now.

“Succession planning” or “exit planning” may be akin to saying, “Let’s plan your funeral”—a bit of a downer. Let’s encase the topic within a more dynamic resolve to build business value and assure continuity.


Call Connie Dello Buono, Insurance Broker in 50 US states at 408-854-1883 CA Life Lic 0G60621 to use life insurance to protect your business and its future. 

4 Things Young Self-Made Millionaires Have In Common by Emmie Martin

Most people work their entire career without becoming a millionaire — but some achieve that level of wealth before turning 30.

As it turns out, there are a few key characteristics that set certain people up to earn big early on, according to Peter Voogd, founder of the Game Changers Academy, who made his first million before turning 26.

“You don’t make a million by accident,” he says in a recent LinkedIn post. “If it’s not a goal you sure as hell won’t hit it.”

Here are four vital traits young, successful millionaires share, as observed firsthand by Voogd:

They have a sense of urgency.

Young millionaires become successful so early in life because they constantly work toward success instead of waiting for opportunities to come to them. “Now matters more than any other time, and the ‘someday isle’ mentality is killing so many dreams,” Voogd says. Millionaires make monetary success a top priority from day one instead of pushing it to the back burner as something they’d like to achieve someday.

They find a strong mentor. 

Millionaires don’t reach that status alone, and even self-made millionaires find smart, wise mentors to guide them as they build their careers. “Success rises and falls on who you associate with, so make sure you stay aware of your surroundings,” Voogd says. Learning from those who came before you is key to making the right business decisions, and a good mentor will challenge you and help you focus on bigger thinking, Voogd adds.

They focus on leverage.

Time is money, and while the traditional method of trading your time for a proportional payment will earn you a decent salary, it won’t make you a millionaire. “At some point you have to focus on scaling and leverage,” Voogd says. “Investment properties, membership sites, building a brand, partnerships, affiliate marketing, different types of programs, etc.” Young millionaires maximize their time to make sure they’re always earning as much as possible.

They don’t care what other people think.

“People who care what others think of them will always be limited to others’ opinions,” Voogd says. Young millionaires don’t waste time trying to please people who don’t believe in them or win over those that don’t support them. Instead, they focus on their own vision and learn to believe in themselves. To become truly successful, “you must give up the need to be liked by everybody,” Voogd warns.

How to build a man, Esquire Mentors 2014

We want our boys to grow up to be good men.

We want them to know that love doesn’t conquer all, but it conquers a lot.

We want them to know their kids’ friends’ names and make them laugh.

We want them useful and good.

To be a little better than they were.

A little worse than they’ll be.

To watch.

To listen.

To try.

To fail or make mistakes.

To learn.

And to pass it along.


Connie Dello Buono

Prevent vascular disease, manage inflammation, get GYV health caps to boost ATP cells performance and speedy repair of your body, email connie to get the caps and join in spreading the benefits with extra income for you at and text 408-854-1883

From B to A college student

When you retake the same subject that you received a lower grade, you have a chance of recording only the highest grade subject that you recently took. This will open doors for you.

Remember, higher grades means more money and opportunity. Yes my two teens are in a city college with the hopes of going to a school that most employers wanted.

As an employer, we wanted to be assured that the school have qualified professors that can provide results, qualified graduates.

I tell my teens to be street smart with a good IQ. You decide and make your own choices, be accountable to your own outcome.

If you want to be paid well, start with an A grade and results oriented school and a confident YOU.

Make your parents proud and your future children. They will follow you, it will also determine the kind of soul mate you will attract.

Dress for success, and be ready for opportunities all the time.

Time wasted is lost.

Create meaningful memories at least at the end of the day.

I always tell myself to keep going no matter what obstacles I met in college, since I need the diploma to go places, support my siblings and help them and my parents get out of poverty.

Poverty is when I was in the Philippines where unemployment is the highest in Asia but the country was number one in Asia many years ago.

So education is your ticket to fortune for now , be business minded though so that you can define your income with no limits.

Keep increasing your social network, quality ones though.

And enjoy each day while you are studying.


Add value to another to get a referral and build your business

Dear Team or future team members,

I learned a lot from the 4-day seminar with Tony Robbins and got some names and tel too. I wanted to share to you some of the audio CDs on mastering influence.
Many of you knows how to connect with people already. I wrote some of the things I learned and posted them all at for your perusal.
Please create a compeling profile at linkedin, and other social networking sites. Your image is a must.
Let’s collaborate since the marketing and sales strategies abound everywhere but 80% of the success is in our mindset, in the way we bring our PEAK State in front of the client. Choose your prospects and clients well, they will use your precious time.
I am here to help you along the way.
And of course, we always have to use other streams of income which will help us increase our database of prospects and future clients. Do things you love to do, help others for in serving them you will get a referral if you add value to them and ask for it.
Connie Dello Buono
Business coach and owner
Health and Finance coach
PS. Email me to get a discount for Tony Robbins future seminar from business to wealth mastery.