Financial planning will provide direction and discipline.

Without direction and discipline, people typically make impulsive, random decisions: they buy this insurance, invest in that hot asset, adopt the latest tax strategy.

The pieces not only don't fit together, they may actually conflict with each other and compound the problem.

Financial planning integrates your assets with your goals and objectives. It strives to help you achieve your lifetime goals by motivating you to action.

Securities offered through Securities America, Inc., member NASD/SIPC, Pat Hinds, Harry Peyerl and Chris Wayne, Representatives. Advisory services offered through Securities America Advisors, Inc., Pat Hinds, Harry Peyerl and Chris Wayne, Representatives.

Granite Financial and Securities America are separate entities.

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