Frequently Asked Questions

Our experience, knowledge and hands on approach will provide you and your family with access to a professional financial representative who will become the macro manager for your financial future. The single biggest advantage of working with us is our independence. We have no preconceived plan as to what your strategy or objective should be. Instead, we will help you discover through and an educational process, how to achieve your dreams and confidently.

We use a proven process, which is designed to build greater wealth with no additional out-of-pocket outlay. This process makes your dollars work better enabling you to start providing for the future.

Our work is unique. Most investment advisors and other financial professionals focus on only one or two aspects of your financial life. Using The Living Balance Sheet, We evaluate and coordinate ALL aspects of your financial life. We're not here to replace all the members of your team or products that are working well for you. By utilizing a holistic view we work at making your money more efficient and productive. Our experience goes beyond just the picking of products. Like a game of chess, we focus on understanding how all your financial vehicles, wills, insurances, debt structure should work together. We also assist your other advisors to perform for you at a higher level.

To build maximum wealth with the money you will receive over your lifetime, we have to evaluate all items, which include cost and income items such as housing, food, lifestyle, college and retirement goals. We will listen, put together written strategies with alternatives in a simple and easy to follow modeling process. You will see from the model what areas of lost opportunity exist with you current plan. We will continually inform and update you. For many of our clients this is one of the main reasons our clients stay with us. We will communicate and answer questions in an easy to understand language.

• What is the true cost of my current plan? 
  
• Given my current planning, am I betting my results on the idea that taxes will be lower in the future than they are today? 
  
• Will I be in the lowest tax bracket when I retire? 
  
• How does all this fit together and is it working to meet my future retirement goals? 
  
• Why has no one pointed this out to me before? 
  
• You will have a basic understanding of why I recommend certain plans and strategies. I want you to understand how they work and why they are important to your financial success.
  

Most financial plans are only concerned with dollars and cents. We realize that this is only one aspect of comprehensive planning. Our goal is to create a plan that supports what you care about most such as educating your children, being financially stable after retirement, and properly distributing your wealth.

You will receive strategies for no initial costs or charges. We do not want any of my clients to have a financial risk or obligation for us to strategize. We want to assume the financial risk for our time.

You must feel good about the strategies. We want you to feel good about implementing the recommendations.

At no time will we pressure you into making a decision. We will always support you in doing what you know is best for you.