• IRA-401K-Bomb

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


  • 4Questions-Slider

    Have you answered the four toughest financial questions everybody faces?


  • Cash-Slider

    Is paying cash detrimental
    to your
    financial future?


  • FiscalHealthScore-Slider

    What Does a
    Fiscal HealthScore Say
    About Your Financial Profile?


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Upcoming Workshops

We hold workshops on different financial topics such as home buying, credit scores and real estate investing.
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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.
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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 finance their home
  2. How they choose to pay their taxes
  3. How they choose to save for retirement
  4. How they choose to save for higher education
  5. How they choose to pay for major capital 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

Qualified Plan - Rocks

What is a Qualified Plan and How Does It Work?

401(k)s & IRAs belong to a class of retirement vehicles called Qualified Plans. By meeting the requirements of Section 401 of the Internal Revenue Code, 401(k)s qualify for certain tax treatment, the most significant being that both employer and employee contributions are tax-deductible in the year they are made, and the employee pays income taxesRead More >

Annual Inflation Rate from 1990-2013

Money Isn’t Math and Math Isn’t Money – The Impact of Inflation

Money is a commodity. It changes in value and can erode over time. Math does not change, which is why we can never make the two synonymous. Let’s explore the impact that inflation has on our daily lives. Inflation has been called many things over time (i.e., a hidden tax, the silent killer, etc…), butRead More >