Heart Financial Group

07/17/2026

Your debt-to-income ratio is one of the key numbers lenders look at. Find out where you stand and what it might mean for major financial decisions.

Calculate your debt-to-income ratio to understand how lenders may view your financial health.

07/16/2026

You make your own investment decisions, but how familiar are you with the products? Take our short quiz.

You make decisions for your portfolio, but how much do you really know about the products you buy? Try this quiz

07/15/2026

How much should you have in an emergency fund? Use this calculator to figure out your target based on your monthly costs and personal comfort level.

Find out how large your emergency fund should be based on your monthly expenses.

07/15/2026

You can’t sell a job.

Buyers are generally not purchasing your workload, stress, or seventy-hour work week. They are purchasing a business that can continue operating successfully without complete dependence on the owner.

A business needs systems and processes in order to run with or without the owner.
For many owners, a significant portion of their personal wealth may be tied directly to the business itself. Imagine spending years building what you believe will become your retirement asset only to discover later that the value is lower than expected—or there is no buyer. The good news is that this can often be improved.

Increasing value may involve:
• Building systems and processes
• Reducing owner dependence
• Creating recurring revenue
• Strengthening profitability
• Developing management depth
• Identifying and reducing risks

Exit planning is not simply about preparing for a sale. It's about creating options, protecting your family, increasing value, and creating freedom. One day you will leave your business. The question becomes whether you leave on your terms or someone else's.

Message me here, on LinkedIn or schedule a free strategy session: https://calendly.com/heartfinancialgroup/15-min-meeting-with-linda-jensen?back=1&month=2025-04

Linda Jensen
Founder | Heart Financial Group
Helping you maximize profit, minimize tax, and build lasting wealth.

07/14/2026

How much life insurance is enough? Use this calculator to get a better sense of the coverage that may make sense for your family and financial situation.

Estimate how much life insurance coverage may be appropriate for your situation.

07/13/2026

The “gold standard” is more than just an idiomatic expression. Take a little dive into history with us this week as we explore how the US went from a gold to a fiat-driven monetary system and why it matters in your retirement.

For centuries, the concept of money was inextricably linked to something tangible. Whether it was silver coins in ancient Rome or the British pound sterling, the value of currency was anchored to the physical world. Perhaps the most famous of these anchors was the “gold standard,”

07/13/2026

[Video] Agent Jane Bond wants you to know about the basics of the bond market.

Agent Jane Bond is on the case, cracking the code on bonds.

07/10/2026

When dealing with a divorce, there are some secrets to dealing with the stress, especially when it comes to money.

Divorce is the second most stressful time in a person's life. Here's some tips to get through it.

07/09/2026

What does the average American budget look like? We’ve created a fun interactive piece that lets you see how your own budget compares. Read more now.

Learn about the average American budget in this fun and interactive piece.

07/08/2026

80% of Businesses Never Sell: Will Yours?

Many business owners spend decades building a business.
Early mornings become routine.
Late nights become normal.
Weekends disappear.

You take risks, invest money back into the business, hire employees, solve problems, and work through uncertainty because you believe you are building something meaningful—not only for yourself, but for your family and your future.
Then one day many owners assume: "When I'm ready, I'll simply sell the business." Unfortunately, reality often looks very different.

Research from the Exit Planning Institute suggests that approximately 70–80% of privately held businesses never successfully sell. That statistic surprises many owners. How can someone spend twenty or thirty years building a business and still struggle to sell it? Because many owners unintentionally build a business that depends entirely on them.

The owner becomes:
• The salesperson
• The relationship manager
• The decision maker
• The strategic thinker
• The problem solver
• The person holding everything together

I often tell business owners: You cannot sell a job.

Message me here, on LinkedIn or schedule a free strategy session: https://calendly.com/heartfinancialgroup/15-min-meeting-with-linda-jensen?back=1&month=2025-04

Linda Jensen
Founder | Heart Financial Group
Helping you maximize profit, minimize tax, and build lasting wealth.