OUR SERVICES

If you have no clue about what to do with your money, where to put it, and no realistic examples, where does that leave you? A better question, where does that leave your money? We encompass a complete, holistic, financial planning process when helping you reach your financial goals. More simply, or perhaps more importantly, during our planning process, we look at each of your financial components and everything that affects or could possibly affect your money now and in the future. We believe this is the best approach to ensure we are making the best money moves for where you are currently, and where you’d like to be.

Money Management

It’s never about how much money you make, it’s always about how much money you keep. You can’t out earn poor financial habits but you can get the keys to creating the proper cash flow and spending routines for the things you want. Knowing where your money goes and how it flows is a key component to our financial planning process. We provide money management options exclusively to our clients in the areas of creating and/or implementing:

  • Saving
  • Bill Review
  • Budget System
  • Expense Reduction
  • Money Management
  • Monitoring/Accountability

Debt Management

Excessive debt can be extremely detrimental to your financial growth and security. Attacking your debt head on and creating a plan to eliminate it quickly and effectively will allow your dollars to work smarter and harder for you, and not your lenders. Our average pay off time is 50-70% faster than your estimated pay off date. Think “snowball method” on steroids as we manage and rapidly eliminate your debt in record time through:

  • Credit Card Management
  • Student Loan 

  • Mortgage Review/Planning 
  • Consumer Debt Management (car loans, doctor bills, etc.)

Financial Planning

The financial decisions you make today might not only impact your life today, but some decisions can have ripple effects for many years to come. Having a plan in place for future financial events that you know are sure to come, can ensure you are financially prepared to maximize and take full advantage of today’s dollar when you need them most.

  • Annuities
  • College Planning
  • 401k/IRA Rollover
  • Retirement Plan Review
  • Social Security Planning
  • Personal Pension Planning
  • Retirement Income Planning
  • Holistic Planning

Wealth Management

Utilizing tactical portfolio management to protect and build wealth is key in our wealth management approach. Proactively managing portfolio downside investment risk, in order to mitigate large potential declines in portfolio values, is our key to long-term investment success. Our core principles involve:

  • Portfolio Review
  • Risk Awareness
  • Manager screening, selection, and due diligence
  • Prudent portfolio construction and management
  • Proprietary Tactical Overlay

Credit Restoration

When used properly, your credit score can be a very powerful wealth building tool and provide you with an opportunity to pay little to no interest on financed items. Mismanaged credit and low scores can be embarrassing and provide many financial challenges. Without repair, you’ll always pay more than you should when financing, and homeownership may never be an option. Fortunately, the story doesn’t have to end there!

  • 3 bureau repair/restoration
  • Removal and deletion of negative items
  • Improvements in 30 to 45 days*

*improvements and results may vary

Insurance Protection

It’s better to have it and not need it, than to need it and not have it when it comes to pretty much anything in life, and insurance is no exception to that rule. While planning in advance is important, where and how you plan is perhaps of greater importance. You may not know exactly what coverage you need, but we do. We will explore your various insurance options in order to implement the best plan, so that you are in a position to receive the maximum benefits. We assist in insurance protection through the following:

  • Life insurance
  • Disability Insurance
  • Long Term Care Insurance

Money Management

It’s never about how much money you make, it’s always about how much money you keep. You can’t out earn poor financial habits but you can get the keys to creating the proper cash flow and spending routines for the things you want. Knowing where your money goes and how it flows is a key component to our financial planning process. We provide money management options exclusively to our clients in the areas of creating and/or implementing:

  • Saving
  • Bill Review
  • Budget System
  • Expense Reduction
  • Money Management
  • Monitoring/Accountability

Debt Management

Excessive debt can be extremely detrimental to your financial growth and security. Attacking your debt head on and creating a plan to eliminate it quickly and effectively will allow your dollars to work smarter and harder for you, and not your lenders. Our average pay off time is 50-70% faster than your estimated pay off date. Think “snowball method” on steroids as we manage and rapidly eliminate your debt in record time through:

  • Credit Card Management
  • Student Loan (pay off in 3-7 years)*

  • Mortgage Review/Planning (pay off in 5-9 years)*
  • Consumer Debt Management (car loans, doctor bills, etc.)

* results my vary

Financial Planning

The financial decisions you make today might not only impact your life today, but some decisions can have ripple effects for many years to come. Having a plan in place for future financial events that you know are sure to come, can ensure you are financially prepared to maximize and take full advantage of today’s dollar when you need them most.

  • Annuities
  • College Planning
  • 401k/IRA Rollover
  • Retirement Plan Review
  • Social Security Planning
  • Personal Pension Planning
  • Retirement Income Planning
  • Holistic Planning

Wealth Management

Utilizing tactical portfolio management to protect and build wealth is key in our wealth management approach. Proactively managing portfolio downside investment risk, in order to mitigate large potential declines in portfolio values, is our key to long-term investment success. Our core principles involve:

  • Portfolio Review
  • Risk Awareness
  • Manager screening, selection, and due diligence
  • Prudent portfolio construction and management
  • Proprietary Tactical Overlay

Credit Restoration

When used properly, your credit score can be a very powerful wealth building tool and provide you with an opportunity to pay little to no interest on financed items. Mismanaged credit and low scores can be embarrassing and provide many financial challenges. Without repair, you’ll always pay more than you should when financing, and homeownership may never be an option. Fortunately, the story doesn’t have to end there!

  • 3 bureau repair/restoration
  • Removal and deletion of negative items
  • Improvements in 30 to 45 days*

*improvements and results may vary

Insurance Protection

It’s better to have it and not need it, than to need it and not have it when it comes to pretty much anything in life, and insurance is no exception to that rule. While planning in advance is important, where and how you plan is perhaps of greater importance. You may not know exactly what coverage you need, but we do. We will explore your various insurance options in order to implement the best plan, so that you are in a position to receive the maximum benefits. We assist in insurance protection through the following:

  • Life insurance
  • Disability Insurance
  • Long Term Care Insurance

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