The traditional approach to financial planning of focusing on investments, rate of return and solving your goals based upon assumptions. This leads to a bunch of numbers on a page that do not mean anything to you. In other words, it doesn’t simply your financial life.
Our plans focus on what really matters to you. Your ability to live the lifestyle you want. We simplify your financial life so that you understand where you are and how to improve it.
How do we do this?
Cash Flow is your most important resource
Protecting Cash Flow is Critical
The order in which you address financial matters, matters
When people are asked what their most important financial resource is, we hear answers like: my house, my retirement accounts, my business, my bank accounts. The answer is simply cash flow, the money that you use to live your life. Regardless of where it comes from: work, investments, rental properties, a pension, etc. You cannot live life in the manner you are accustomed to living without cash flow.
Cash Flow is your most precious financial resource.
If you had a machine that printed money in your garage, would you lock your garage? Add extra security? Hire a guard? Absolutely you’d enact some if not all of these additional protections. We identify the worst threats to your cash flow and show you options to protect it. Then you decide what level of protection is appropriate for you and your situation. Once cash flow is protected, we move on to building wealth.
The order in which we build wealth – building assets, paying down debts – matters greatly. Are you blindly building assets or are you creating a plan to access funds in the for a house, for funding your kids college and eventual replacement of your income?
We manage your investments so that you can have efficient cash flow now and later allowing you to enjoy your life. We customize a plan with you to utilize your cash flow efficiently. When, where & how much of your cash flow goes to paying off debts, short, medium & long term goals depends greatly upon your situation.
How will taxes impact your plan? This is one of greatest eroding factors of your wealth. It is important to have a plan that addresses the impact of taxes both now and in the future. Our planning coordinates your assets to create additional flexibility, efficiency & tax strategies – allowing your money to work harder for you.
Our approach holistically looks at all four domains (Protection, Assets, Liabilities and Cash Flow) seeking to maximize efficiency and growth of your money. This focus on efficiency and building the best plan possible avoids taking on undo risk, delaying financial independence or the over reliance upon any one aspect of your financial picture.
This is your Living Balance Sheet ®
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