How we are achieving our
dreams and how we can help you with yours
Hello and thank you for taking time to visit our
website. My name is Raúl Gonzalez and I'm married to Adriana.
We hope that through sharing our personal experiences with
you and demonstrating how Financial Planning InfoGuide.com
was created to help you with the challenges of living a
balanced life, becoming independent and improving your
standard of living, that you'll grow to trust us.
Achieving a balance in life is a challenge, but it's not
Both my wife and I are CPA's and Adriana has a Master's
Degree in Finance. We both began our professional
careers with a well known international accounting firm: PricewaterhouseCoopers. The
work was hard and exacting as I've remarked elsewhere: our jobs had a starting time but no stopping time and we
worked weekends too. Our busy season was 9 or 10 months
As you can imagine our lives had no balance and I see that
these days this is a common problem, at least from what I
noticed in our company's clients. If you might be
experiencing the same, I can assure you you're not alone.
So, with this in mind...
The solution is not to resign but review your dreams and goals and see if what you're doing will lead to where
you want to go
It is hard to keep up the constant rush and so, after
several years of doing it, I decided to I analyze my situation, put my
priorities in order, clearly established what I wanted for
the future, took a deep breath and handed in my resignation.
What an experience! I never thought I'd have the
courage to do it...
This was not an easy decision especially because I have debts and bills to pay and
if I had stuck it out I was likely to be a manager in a
couple of years more.
I liked my work, in fact a great deal of my experience came
from that job, but I realized that the longer I stayed the
more difficult it would be for me to leave my career. On the
other hand, I had two main reasons for resigning:
- I had no time available to pursue my own projects and
- My job was not teaching me (in fact it was blocking me) from
what I really wanted: to own my own business.
Fortunately I found work with a venture capital firm.
Now I have more time to develop my own projects and I'm
constantly learning about businesses and entrepreneurs.
The importance of financial planning in your life and
Before resigning I started developing a serious relationship
with Adriana and so when I changed jobs (and following
several serious discussions) we started to talk about
We quickly reached the topic of how we were going to achieve
what we wanted and dreamed about. We knew that we
needed life insurance, we wanted to invest, buy a home,
etc. But we didn't have an idea of where to start
And so, after sifting through mountains of information, we
realized the importance of financial planning. We studied and
developed our own plan and, in doing so, realized that there
are many aspects of finances which can have a dramatic impact
on your life but are often over looked.
Unfortunately, in my area, there still are no certified
financial planners, otherwise we might have developed our
plan and put it into effect a lot earlier.
Now we know what we have to do and we can go forward with
faith and the confidence that each step we will take will carry us closer
to our dreams and goals.
From another viewpoint, planning your personal
finances is also important for your business and is
a fault I constantly see in the risk capital projects I deal
with. For example, I've analyzed cases in which a
business owner was not managing his own funds well and this
was affecting his business.
The problems of mixing your own money with that of your
business, or not knowing certain basic aspects of finance can
threaten your business even to the point of bankruptcy.
Experiences based on trial and error in business can teach
you valuable lessons
Over time I've had various experiences with business
projects which were not successful but which taught me
important lessons. I've participated in and developed
projects such as:
- A non-government organization dedicated to microleasing
- a pawn shop
- Multi Level Marketing (MLM) with
- Internet business plans (eBay, affiliate marketing, etc.)
The main lessons I learned were:
- It is necessary to organize your personal finances to
understand what your present situation is, clearly establish
what you want, what are your goals (it's not as simple as it
seems) and how to reach them (an action plan).
- If you
determine that your plan involves starting a business, this
will succeed to the extent that you:
- dedicate sufficient time,
- base your plan on a
firm mission of service to others and
- adequately cover
all the technical and legal aspects that your business
The dilemma of having enough time and knowing what business
The most difficult areas for me were that of being able to
dedicate sufficient time to my business, and also deciding
what kind of business to start.
Even though my new job gave me much greater flexibility in
time, I still was limited to a few hours a day to start my
business and make it work so the first conclusion I arrived
at was that I had to start a business which I could run from
my own home and that one of the best possibilities would be
an internet based business although I had no experience
in this field.
Then I had to define what kind of business to start.
As I mentioned earlier, my wife and I have considerable
experience in finances, it is an area which we both like and
even more so where it applies to personal finances and the
entrepreneurial spirit. So, ideally our business would
be related to this, but how would we begin?
After considerable searching, I discovered Site Build It!
(SBI) which taught me how to turn a hobby, a passion
or any skill you have into a profitable business with a web
site and from this Financial Planning InfoGuide.com
Does that seem hard? Not at all. This website
was created using SBI and I knew nothing about the internet
or building web pages when I began. If I
could do it, anyone can!
The key is that SBI teaches you how to build a real business
because you begin investing the time and effort that you'd
put into a traditional bricks 'n mortar business, which I can
testify to from the experience I have in the risk capital
field. For this reason we've included more detailed reviews
If you'd like to know how SBI works, you can Take a Video Tour or view this Quick tour if
you're on dial up or a slow connection.
How can we help you make your dreams a reality...
This very day, as I write this page we are well underway
with our plan. As you can tell we've had our ups and
downs, doubts, fear, sweat and tears, but your story doesn't
have to be the same, it's enough that you plot your own
course and for that...
When we created Financial Planning InfoGuide, we did it with
the mission of guiding people like you who dare to pursue
their dreams and for that reason, we present reliable
information which will help you know the options you have and
allow you to make the best decisions for your life.
If you'd like to contact us, please use this link.
Thank you for visiting and I wish you all the best.
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