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WHAT WE SERVE

Our Financial Services

Risk Management

Business needs and market trends are never the same; they change constantly. The professionals at LifeConcepts will examine your risks first, then move on to risk management while evaluating all economic factors to reduce risks and ensure a financially comfortable retirement. Because you can’t guarantee a safe tomorrow if your present is rife with dangers.

Management of Investments

Smart investments pave the way for financial stability and a bright future. However, not everyone is well-versed in market movements and financial complexity. Collaborate with Mack Hales to ensure your investment is profitable and risk-free. We want to help our clients reach long-term financial goals rather than relying on high-risk short-term ambitions.

Planning for Retirement Income

You have a terrific position with the federal government and a steady monthly paycheck. But what happens when you stop working? By optimizing your pensions and personal savings – while reducing financial risks will offer you an excellent financial strategy to assure a consistent stream of income in your retirement years.

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Life concepts, Inc

Meet Mack Hales

Mack Hales has spent the past 4 decades helping clients prepare for retirement and manage their finances successfully. He also works with strategies that help clients put away much more money for their retirement than they could in an IRA or even a 401 k. We involve the client’s CPA and/or their tax attorney to be sure the programs meet the proper tax codes.


Working with clients, we work with them to customize a plan that is centered around their needs and preferences. Our goal is to help the client retire worry free with as much tax-free income as possible.


Mack has resided in Gainesville, GA since 1983, so this is considered home. Mack is married to his wife of 50 years, has two boys and five grandchildren.

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Mack Hales

President

Life Concepts,Inc.

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Years of experience
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of satisfied clients
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Serving the state of Georgia

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Top Quotes on money and wealth

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.

Dave Ramsey

I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy.

Warren Buffett

If plan A fails, remember there are 25 more letters.

Chris Guillebeau

Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.

William A. Ward

We make a living by what we get, but we make a life by what we give.

Winston Churchill

Here’s to the crazy ones. The misfits. The rebels. The troublemakers. The round pegs in the square holes. The ones who see things differently. They’re not fond of rules. And they have no respect for the status quo. You can quote them, disagree with them, glorify or vilify them. About the only thing you can’t do is ignore them. Because they change things. They push the human race forward. And while some may see them as the crazy ones, we see genius. Because the people who are crazy enough to think they can change the world, are the ones who do.

Steve Jobs

Wealth is like seawater; the more we drink, the thirstier we become; and the same is true of fame.

Arthur Schopenhauer

If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.

Edmund Burke

My formula for success is rise early, work late and strike oil.

J.P. Morgan

When your outflow exceeds your income, then your upkeep becomes your downfall.

Jim Rohn

You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.

Maya Angelou

I made my money the old-fashioned way. I was very nice to a wealthy relative right before he died.

Charles Caleb Colton

I made my money the old-fashioned way. I was very nice to a wealthy relative right before he died.

Malcolm Forbes

Annual income twenty pounds, annual expenditure nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty-pound ought and six, result misery.

Charles Dickens

I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too.

Steve Martin

Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.

Will Rogers

FAQs

Do You Share These Concerns?

Rising healthcare costs can have a significant impact on retirement plans, as healthcare expenses are likely to increase as we age. It is important to consider the potential impact of healthcare costs when planning for retirement.

Consider working with a financial advisor: A financial advisor can help you create a comprehensive retirement plan and provide guidance on how to manage your savings and investments to help ensure your money lasts throughout retirement.

Investing too conservatively can be a concern, as it may not allow you to achieve your financial goals. However, it’s important to balance the desire for higher returns with the need to manage risk. Here are a few things to consider if you’re worried about investing too conservatively: Determine your risk tolerance, diversify your investments, re-evaluate your investment strategy periodically, stay focused on your long-term goals, and consider seeking professional advice.

The answer depends on your individual financial situation and retirement goals. However, here are some steps you can take to evaluate your retirement readiness: Determine your retirement expenses, estimate your retirement income estimate your retirement savings needs, and assess your current savings.
 
If you’re concerned that you haven’t saved enough, here are some steps you can take to increase your savings: Maximize contributions to retirement accounts, work longer, reduce expenses, and seek professional advice.
 
Overall, saving enough for retirement can be a complex process, but taking steps early on and staying proactive can help you reach your retirement goals.

If you are worried that you haven’t factored inflation into your retirement plans, it is a valid concern. Inflation is the gradual increase in the prices of goods and services over time. This means that the purchasing power of your money decreases over time, which can have a significant impact on your retirement savings.

If you are feeling anxious about your current level of debt, there are several steps you can take to manage and reduce your debt: Make a budget, Prioritize your debts, Consider debt consolidation, Cut expenses, and Seek professional help.

Remember, managing debt takes time and discipline, but with a solid plan and commitment, you can reduce your debt and relieve your anxiety.
If you’re afraid that you won’t be able to afford long-term care should the need arise, there are several steps you can take to prepare for this potential expense: Start planning early, consider long-term care insurance, save for the future, plan for in-home care, and talk to family and loved ones.
 
Remember, it’s never too early to start planning for long-term care. By taking proactive steps now, you can better prepare for the future and alleviate any fears or anxiety you may have about affording long-term care should the need arise.
If you’re worried that the stock market might crash, there are several steps you can take to protect your investments: Diversify your portfolio, stick to a long-term investment plan, consider dollar-cost averaging, keep some cash on hand, and consult with a financial advisor
 
Remember, the stock market will always have its ups and downs. But by taking proactive steps to manage risk and sticking to a long-term investment plan, you can help protect your investments and weather any market turbulence that comes your way.
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