Our Approach

We start by developing a current inventory of your monthly balance sheet. With this wide angle in view, we look for leaks as we ask you hard, honest questions in order to evaluate your lifestyle to ensure you are living according to your means. You may also have some legitimate expenses that can't be circumvented, and you need help developing a plan to stay afloat and/or grow.

Along with this exercise, we partner with you in developing a plan to maximize your daily operations in order to feed the various parts of your plan and achieve your personal financial summit.

Whether you subscribe to Dave Ramsey’s, Susie Orman’s, or David Bach’s approach, it is our intent to help any efforts become efficient and directed toward the ultimate achievement of your personal needs, wants, and wishes.

Cash-Flow Planning from Your Financial Advisors

Our financial advisors develop a detailed strategy for cash-flow planning. We believe you should hope for the best but plan for the worst, so we take a dynamic approach to management in order to ensure that you have the flexibility to protect your assets during the lean times and as the market adjusts. With our strategies and careful management, you'll be prepared for the road ahead of you.

Cash Flow Planning & Debt Management/Elimination

In our experience, budgets are not effective, because a budget is counter-intuitive to the human condition. No one enjoys being told what they can and cannot do with their money—and a budget is attempting to do exactly that. We have learned over nearly 2 decades of helping clients that understanding habits and how to cash-flow is a much more successful way to discover, build, or redirect you to accomplishing your personal financial summit.

As a result of the Summit Pathway Discussion, we will get an in-depth and transparent understanding of how your cash flows in order to best determine how to achieve your needs, wants, and wishes.

You may require the development of a debt elimination strategy, or you might simply need to maximize the efficiency of your current strategy.

Maybe you aren't concerned about your debt or you have no debt at all; your plan is to maximize the efficiency of your current cash flows and future income resources. Some business owners and farmers will require the utilization of debt for specific operational needs. We aim to realize, internalize, and utilize your approach to debt and cash flows for the benefit of your plan and the ultimate achievement and success of your goals.

Here are some common questions that you may be facing as you consider Cashflow Planning:

• Should I sell or refinance my rental property?
• Is paying down my highest debt first the best way to go?
• What are the best credit card strategies?
• What's an effective strategy for paying off debt?
• How should I pay or maintain life insurance?
• Is there a better strategy for paying off college?
• How can I pay off my student loans faster?

Taxes’ Role for Financial Advising

You may feel that you pay too much in taxes, therefore taxes become a central focus in your financial planning. Our financial advising experience shows that paying nothing in taxes means you are not earning—and conversely, paying more than your share means you are inefficient in the various financial tools that are available to you. With tax laws changing all the time, your plan needs to be updated regularly.

We can bring in a CPA or work with your CPAs to help get your tax planning on track. We look for that efficient line in every household that allows you to maximize your respective tax deductions, write-offs, and tax deferral opportunities while not costing you the use and benefits of your economic capital.

Time and circumstance greatly influence your tax plan; it's doubtful you will ever pay zero, but you can easily pay way too much for what you are trying to achieve without the right guidance.

Our Tax Process

We will arrange and sit in on your tax appointment with a CPA. This initial appointment is at no cost and allows us to openly and freely ask an independent, experienced professional about the intricacies and nuances of your tax situation before we decide to make any changes and without the pressure of having to use them.

Working with CPAs and accountants is done at no additional costs to you.

Sometimes too many chefs in the kitchen can spoil the meal, and at other times, without a second opinion, you run the risk of harming the delicate balance in your financial plan and household. Taxes are an important part of a financial plan. Ensuring they are efficient in this area helps you achieve your personal financial summit.