About Us

We have a Unique Approach!

If you have had any previous experience with a financial advisor, chances are the conversation revolved around how much money you have, where it’s located, we can do a better job. It would seem that most investment firms share the same singular focus of trying to find better products that earn a higher rate of return – which often means taking more risk.

For all of the fancy analytics and mathematical acrobatics available today, nobody has yet figured out how to predict the future. Earning higher returns is certainly not a bad thing, and something we can help you with as well, however we believe we should help our clients avoid money they could be losing unnecessarily before considering options that require more risk. Return is not the only thing to consider when evaluating the efficiency of your own personal economic model.

There are three types of money; the money used to secure your financial future must somehow come from these three areas.

Accumulated money represents the dollars you currently have invested and are currently saving. You could focus your attention on these dollars in order to find better investments that potentially pay higher rates of return.

Lifestyle money represents the dollars you are spending to maintain your current standard of living: where you live, what you eat, where you vacation etc. For many people, this is where the conversation ends. While everyone wants to solve their financial problems reducing their current standard of living is not a popular option.

What if there were a way to address the issue without having to incur more risk or impact your present lifestyle? I’m glad you asked!

Transferred money represents the dollars you may be transferring away unknowingly, and unnecessarily. Such as:

How you pay for your house,
What you pay in taxes
How you fund your retirement accounts
Non-deductible interest
How you pay for major capital purchases like cars, education, weddings, and other large expenses.

Our Approach

Have you been doing all the “right things” financially that you’ve been taught to do, but you’ve been disappointed again and again? If so, you’re not alone:
- Wall Street lost more than 49% of investor’s money – TWICE – just since the year 2000. It could easily happen again in the next five to ten years… or starting today
- The only guarantee Wall Street gives you is that they get paid whether you win or lose
- The typical household nearing retirement has an average of only $111,000 in their combined retirement accounts, which will provide them $500 per month – not even enough to cover basic necessities
- If you’re like most people, you don’t have any idea what your retirement account will be worth when you need it – but it doesn’t have to be that way!
- There are two ways to improve your finances:
  1. Find a better product that potentially pays a higher return often requiring more risk.
  2. Be more efficient by avoiding unnecessary losses.
  
  I believe there is more opportunity to serve my clients by helping them avoid the losses than by picking the winners.
  
  Can You Answer the Four Important Financial Questions?
  1. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life?
  2. How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last until life expectancy?
  3. Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle until life expectancy?
  4. If you don’t do anything different than you are doing today, how much will you have to reduce your standard of living at retirement for your money to last for life?