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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 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

Credit Score Dice

5 Strategies to Lower Your Credit Card Utilization Rate and Improve Your Credit Score

Technology has inspired a great many beneficial inventions and creations. Whether credit scoring is one of them is a debate for another day, but credit scoring is here and it isn’t going away any time soon. That being said, one of the little known 5 key criteria that leads many people to have lower creditRead More >

Credit Card Utilization Rate

How Credit Card Utilization Rate Drives Your Credit Score

There was a time when paying your monthly debt payments by their respective due dates (on time) was enough to constitute good credit because your payment history was a great indicator of your willingness to repay your debts and to pay them on time. Your payment history used to account for nearly 100% of yourRead More >

why-how

“Why” You Want to Get Out of Debt May Influence “How”

For the most part, Americans live in a fast food, shake and bake, society, which is to say that we have come to expect and demand instant gratification for anything we want in life. That’s typically how people accumulate credit card debt; instant gratification coupled with not having an emergency reserve. Instant gratification is alsoRead More >