Dreamer - I wish I could buy a car, a house and take nice vacations. I wish I had enough money to invest. I wish that I could get a higher paying job. Maybe one day it will happen.

Now is the time to create wealth! Start with something like a money market account and build your wealth. Devise and stick to a plan.

Avoider - Why should I have to talk about money? Right now I have other things to do with my time. My job takes up all my time and I can’t bother to deal with that right now.

As much as we would wish, money doesn’t grow on trees. It takes serious investing to build wealth. Set up a salary deduction so that investing becomes automatic.

Worrywart /Frighten Friday - Is my money safe? If I invest will I get it back? Who can I trust? What if I lose everything? I wonder if I did the right thing?

Choose an investment company with a “Stages of Life Planning’ proven track record. They must have licensed Wealth Advisors who can help you build a portfolio in line with your risk tolerance.

Procrastinator - Yes, man. Tomorrow I will go to the bank and do something with my money. Don’t fret. As soon as I take care of some other things, I will invest, all in good time.

Arrange for a salary deduction to be done so that investing becomes automatic.

Big spender - Money – no problem. What I want, I buy. I deserve it and I am worth it.

It’s not how much you earn, its how much you keep. Set aside at least 10% of your income before you spend.

Tight fisted - You can’t get me to spend money, no matter what. Only natural disasters and similar type emergencies will get me to take money out of my account. It sweet me to see my bank balance grow and grow and grow through savings.

Seek out tax-free long term investments, which usually offer competitive rates but require that the funds are locked in for the period of investment. Also consider foreign denominated instruments to hedge against devaluation. And don’t forget that emergency fund!

Goal setter - Right now, I am on track and a set percentage of my money goes to different investments. For me, it’s all about getting my car in the next 6 months and buying my townhouse in five years.

Take the outline of your assets and liabilities to your wealth advisor and choose the products that will achieve your objectives. Evaluate your portfolio regularly as your goals change.

Planner - At the end of each day I like to write down all the money I have spent. I enjoy balancing my cheque book and I know to the penny the value of all my assets.

Choose investments such as bonds that have fixed interest rates and regular income payments.

High roller - Taking a big risk is no problem for me. I mean, how can you win big if you don’t bet big?

Identify a wealth advisor who can help you develop a portfolio that takes advantage of your high risk tolerance. Look at stocks and bonds, both local and international that offer high rewards for high risks taken.

Low roller - I’m not taking any chances. I want investments that are steady and sure.

Identify a wealth advisor who can help you develop a portfolio which won’t keep you awake at night. Choose bonds and money market accounts that give a steady return. Sign up for regular monthly statements that outline the performance of your funds.