Financial Services

 The Harsh Reality

Over the years, I have observed that most people have little knowledge or skill in handling their own money. Few people are successful at making their savings and investments work efficiently and effectively, and many are actually preventing themselves from enjoying their income and obtaining financial well-being.

A recent study done by the Employee Benefit Research Institute (EBRI) revealed that 48% of workers have less than $10,000 in retirement savings and 27% of workers have less than $1,000 in retirement savings. Additionally, 30% of 401(k) savers have a loan outstanding from their 401(k).

According to,

  • Consumer debt now exceeds $857 billion
  • the Average credit card debt per household with credit card debt is $16,007
  • 60% of Americans carry a credit card balance from month-to-month
  • 35 million Americans pay only the required minimum payment each month
  • Student loan debt now exceeds $1.1 trillion

Each year, personal bankruptcy filings break new records. More than 10 million Americans have filed for bankruptcy protection from creditors since 2007. It is now more likely that people will file for personal bankruptcy than for divorce.

These statistics are evidence that people are in desperate need of help with their finances. Too many people don’t understand how finances work. Americans are facing some serious problems and these problems require serious solutions. Unfortunately, not many people are talking about them, and even fewer know how to handle them. These problems include tax risk, market risk, inflation risk, interest rate risk, and longevity risk, among other things.

Financial Efficiency

We provide a unique and compelling brand of financial services. We educate our clients and introduce them to uncommon concepts and strategies, many of which may seem counter intuitive at first. We focus on helping you become as financially efficient as possible. It makes no sense to drive down the highway of life with one foot on the gas and one foot on the brake. R. Nelson Nash says, “The financially healthiest Americans are generally not the ones who make the most money. They’re the ones who figure out how they can actually keep the money they make.”

quote-Will-Rogers-it-isnt-what-we-dont-know-that-92592The financial world is filled with people and institutions touting that their product is superior to their competitor’s product. There are many good financial institutions and many good financial products. However, there are no perfect products and there is no product that will solve your problems. There is, however, a process that can make an enormous difference. There will come a time to utilize financial products, but only after a comprehensive financial strategy has been put in place.

A Process That Provides Results

Our unique approach will enable you to accomplish the following:

  • Identify and eliminate areas where you are financially vulnerable
  • Establish meaningful financial goals and objectives
  • Reduce your stress around money
  • Improve your monthly cash flow by helping you keep more of what you earn
  • Establish an emergency reserve for life’s little unbudgeted emergencies
  • Reduce your interest expense by eliminate outstanding consumer debt
  • Improve your credit score so you have access to the most advantageous financing terms
  • Lower your tax burden by improving tax efficiency
  • Grow your current and future assets
  • Protect your income and assets from erosion

Financial success is achieved by developing strategies that focus on a process, not a product. Our process provides our clients with a clear direction and the peace of mind that comes from confidence that they are on the right track. Strategies need to be developed to handle both expected and unexpected events and they must work under all conditions, regardless of the economic or political climate. Once those strategies are in place, products can be chosen that align with the goals and objectives of the strategies.

Click here to see the types of clients we are able to help.