Upcoming Workshops

We hold workshops on different financial topics such as home buying, credit scores and real estate investing.

Is Your IRA/401(k) a Ticking Time Bomb?

There are so many questions to ask about retirement savings and this guide will help you understand how to avoid mistakes now.

Rave Reviews

Much of our business comes from happy customers who refer us.
Shawn is the best lender at explaining options in understandable terms.
- H LeGarde Darter

Improving Financial Health

Have you ever wondered if success with your finances is just a lottery ticket? One person gets a ticket and no matter what he does he is successful and another person gets a ticket and no matter what he does he’s doomed to failure?

The Wall Street Journal recently reported that 70% of Americans live paycheck-to-paycheck, regardless of income.

USA Today recently reported that 76% of Americans have less than 6 months’ living expenses in emergency reserves and 24% of Americans have NO emergency reserves at all.

Financially, we spend most of our time making money, but little to no time learning how to master the use of it. We help our clients reduce their stress around money by showing them how to keep more of what they earn, thus increasing their monthly cash flow. We do this by identifying areas where they may be transferring their money to others unknowingly and unnecessarily, and developing a strategy that reduces or eliminates those transfers. Some wealth transfers are avoidable and others can only be minimized.

We find that people tend to lose money in the following areas:

  1. How they choose to structure and pay for their mortgage
  2. How they choose to pay their taxes
  3. How they choose to save for retirement
  4. How they choose to save for college
  5. How they choose to utilize consumer credit and pay for big ticket purchases

Plugging Holes

There are two ways to fill up a bucket that has holes in it. The first is to plug the holes and the bucket will fill up, even if the flow is a trickle. The second is to pour more in. Which one of those two financial strategies do you feel the financial institutions have had you employing in your current financial position?

We believe that we can have a bigger impact on your financial future by helping you avoid the losses rather than helping you pick the apparent winning investments. It makes little sense to have a million dollars only to discover you lost a million along the way.

Strategy Makes The Difference

We offer the same products as other firms. However, financial success is not achieved through a product. Financial success is achieved through the implementation of, and adherence to, a comprehensive financial strategy. The financial products that captivate our attention are usually the products that promise to pay the highest rates of return. However, the products that offer safety, liquidity, preferential tax treatment, leverage, and collateral opportunities may be far more valuable.

Click here to see what our clients say makes us different.

From The Wise & Wealthy Blog


What is the Appropriate Emergency Reserve Amount for You?

The primary purpose of an emergency reserve (a.k.a., a rainy day fund) is to provide a cushion to protect you and your family in the event of an unforeseen and unexpected financial emergency, such as the need for new tires or a new water heater. While an emergency reserve equal to one months’ committed livingRead More >

Emergency Fund

The Most Important Step in Gaining Control of Your Personal Finances

The cornerstone of any personal financial profile should be establishing and keeping an emergency reserve. You may have heard it referred to as a cash cushion or a rainy day fund. I cannot stress enough the importance of this one simple concept. If you want the upper hand with regard to your personal finances, havingRead More >

Money in House

What is the Least Used and Most Flexible Financial Tool?

The Home Equity Line of Credit is the least used and most flexible financial tool available today! A Home Equity Line of Credit (HELOC) is a revolving credit line that uses your house, and the equity in it, as collateral. For many Americans, the largest portion of their wealth is trapped in their houses andRead More >