Our DEFINITION
What is Personal Finance?
The planning and management of income, expenses, assets and liabilities to
minimize risk and maximize cash-flow, net-worth and standard-of-living.
Do you want more money?
At Donumvita.com, we help you to make, keep and grow money like central banks do.
How to take control of your finances with the #1 Money Management System.
Our vision
Economic independence and wealth in America.
why
We exist to close the
wealth gap in America one
family at a time.
how
We empower you to accumulate, distribute and transfer wealth.
what
We teach you how
to plan & manage cash-flow,
net-worth and risk.
The MICro-Economy
Your Individual Economy
Factors You DO control (the 6-activities of finance).
How You Earn Money
To finance the standard-of-living that you desire, now, and while your in retirement with: 1) active, 2) portfolio, and 3) passive income.
How You Save Money
To finance your family’s future liabilities such as: automobiles, college tuition, homes, vacations, weddings, retire-ment, etc…
How You Spend Money
To finance recurring cost-of-living expenses such as: clothing, debt, housing, healthcare, food, insurance, transportation, utilities, etc...
How You Borrow Money
To finance purchases such as: 1) assets (items that produce income or capital appreciation) and 2) liabilities (items that create an expense).
How You Lend Money
To individuals, businesses, and governments (local, state, and federal) that want to finance their assets or liabilities with OPM, for a fee.
How You Invest Money
To produce: 1) capital appreciation (short/long term capital gains) and or 2) cashflow (passive and (or) portfolio income) with assets.
THE MACRO-ECONOMY
The Aggregate Economy
Factors You DO NOT control (the 4-phases of business).
PHASE-1
Expansion
Bullish Economy.
PHASE-2
Peak
Top-Of-Economy.
PHASE-3
Contraction
Bearish Economy.
PHASE-4
Trough
Bottom-Of-Economy.
Our Methodology
The Stewardship Paradigm®
An ethic that makes, keeps, and grows money.
Principle #1: Commit To Better Results
"1) With better awareness, 2) You will be able to make better choices, and
3) With better choices you will be able to achieve better results."
"1) With better awareness, 2) You will be able to make better choices, and
3) With better choices you will be able to achieve better results."
The Titan Academy Global
Principle #2: Increase Your Financial IQ
"With a sound financial education, a person can use taxes, debt, inflation, and
retirement to become rich rather than poor."
"With a sound financial education, a person can use taxes, debt, inflation, and
retirement to become rich rather than poor."
Cashflow Technologies Inc.
Principle #3: Apply Principle-Based Behavior
“Principles are fundamental truths that serve as the foundations for behavior that
gets you what you want out of life. They can be applied again and again in
similar situations to help you achieve your goals.”
“Principles are fundamental truths that serve as the foundations for behavior that
gets you what you want out of life. They can be applied again and again in
similar situations to help you achieve your goals.”
Bridgewater Associates
Principle #4: Control Your Financial Environment
"Somehow or another, it never dawns on most financial gurus that you can
control the financial environment in which you operate. Perhaps it is caused by
a lack of imagination, but whatever the cause, learning to control it is the most
profitable thing that you can do over a lifetime."
"Somehow or another, it never dawns on most financial gurus that you can
control the financial environment in which you operate. Perhaps it is caused by
a lack of imagination, but whatever the cause, learning to control it is the most
profitable thing that you can do over a lifetime."
Infinite Banking Concept LLC
Principle #5: Make Money With Money
"Money makes money. And the money that
money makes, makes money."
"Money makes money. And the money that
money makes, makes money."
The United States of America
Principle #6: Never Lose Money
Rule number one: "Never lose money.
Rule Number Two: Never forget Rule Number One."
Rule number one: "Never lose money.
Rule Number Two: Never forget Rule Number One."
Berkshire Hathaway Inc.
Principle #7: Earn Uninterrupted Compound Interest
“Compound interest is the eighth wonder of the world.
He who understands it, earns it; he who doesn't, pays it.”
“Compound interest is the eighth wonder of the world.
He who understands it, earns it; he who doesn't, pays it.”
Our method
The Private Reserve System®
An order of operation that makes, keeps, and grows money.
Our Mechanism
The POLI® Contract
An asset that makes, keeps and grows money.
how it works
manage Money Like a Central Bank
Provide yourself a safe, flexible and stable monetary and financial system.
the benefits
You Control The Financial Environment
To close the gap—between where you are—and where you want to be.
Maximize
Cashflow
Protect
Assets
Compound
Interest
Produce
Income
Finance
Expenses
Finance
Liabilities
Finance
College
Finance
Retirement
Leverage
(OPM)
Finance
Real Estate
Finance
Business
Amass
Wealth
OUR COURSE
(DIY) Money management
How to make, keep and grow money outside of Wall St.
Cash-Flow
How to create a budget to realize positive cash-flow and surplus capital.
Net-Worth
How to invest capital into assets to produce income and capital appreciation.
Risk
How to plan and manage volatility to keep and grow money in a fiat economy.
Our PRODUCTs
yield the Income that you need
To finance the standard-of-living that you desire.
Life Insurance
The benefits of life insurance are: 1) cash-value accumulation and 2) lump sum death settlements, on a tax-free basis.
Annuities
The benefits of annuities are:
1) qualified & 2) non-qualified retirement distributions, on a
tax-deferred basis.
our serviceS
(DWY) Wealth Management
To accumulate, distribute and transfer a legacy of wealth.
Accumulate Wealth
Outside of Wall Street
on a tax-free basis.
Distribute Wealth
Outside of Wall Street
on a tax-free basis.
Transfer Wealth
Outside of Wall Street
on a tax-free basis.
OUR TESTIMONials
Shared By Our Client's
We measure success by our client’s results.
"I am so pleased with the education and services Donumvita has offered me. They have taken
the time to help me understand my own personal finances and set me on a path to reaching
my financial goals. With the knowledge and tools shared with me, I now feel confident in
exploring and investing in financial opportunities."
the time to help me understand my own personal finances and set me on a path to reaching
my financial goals. With the knowledge and tools shared with me, I now feel confident in
exploring and investing in financial opportunities."
"Since becoming a client, I've experienced excellent customer service with a personal touch,
guiding me on a journey to building a promising future."
guiding me on a journey to building a promising future."
"When I became a client in 2016, I was looking to diversify my assets and it was very important
to me to receive financial expertise and advice that I could trust. I met with Donumvita to
discuss my current and future needs, they explained several options and projected the growth
and income benefits of each. My Annuity plan has performed as projected. In 2018 I purchased
a Whole Life Insurance Policy for my newborn granddaughter. The policy has increased as
illustrated. I am thankful to have a solid asset for my only grand-child’s future. It is a legacy just
for her. I meet with Donumvita annually to review my plan and the performance of my assets.
They are always available for any questions I may have. The performance of my assets are
meeting my goals."
to me to receive financial expertise and advice that I could trust. I met with Donumvita to
discuss my current and future needs, they explained several options and projected the growth
and income benefits of each. My Annuity plan has performed as projected. In 2018 I purchased
a Whole Life Insurance Policy for my newborn granddaughter. The policy has increased as
illustrated. I am thankful to have a solid asset for my only grand-child’s future. It is a legacy just
for her. I meet with Donumvita annually to review my plan and the performance of my assets.
They are always available for any questions I may have. The performance of my assets are
meeting my goals."