Financial freedom doesn't require an expensive financial advisor
A simple plan, low-cost investing, and no ongoing fees eroding your nest egg
My Mission
A different kind of financial guidance
It's almost like they want you to be intimidated and overwhelmed. There are endless resources online, countless books, and an entire finance industry, but doesn’t that make it even more confusing? Consequently, you feel paralyzed and you push off your financial plan to another day that never comes. It likely leaves you with guilt and anxi
It's almost like they want you to be intimidated and overwhelmed. There are endless resources online, countless books, and an entire finance industry, but doesn’t that make it even more confusing? Consequently, you feel paralyzed and you push off your financial plan to another day that never comes. It likely leaves you with guilt and anxiety that you haven’t taken this head-on yet.
I felt exactly like that when I was younger, and I noticed that there was only one option - the financial advising industry that skims a percentage of your wealth every year. It seemed like overkill when I just wanted a framework to get started and to understand the essentials of retirement planning and investing.
It felt wrong to blindly hand over my money to an advisor without understanding finance and investing myself. So, I spent the next 15 years learning budgeting, daily money management, retirement planning, and investing. I want to share this knowledge with you at a very reasonable price so you can feel the sense of a clear mind about your own finances and future.
Your path to a clear mind
Some clients want to focus on budgeting and daily money management, while others are looking for retirement planning and investing strategy. And some would like to create a firm foundation by learning both. After all, the short-term planning feeds into the long-term planning.
I cover the following subjects, although what I cover with you
Some clients want to focus on budgeting and daily money management, while others are looking for retirement planning and investing strategy. And some would like to create a firm foundation by learning both. After all, the short-term planning feeds into the long-term planning.
I cover the following subjects, although what I cover with you will be customized to where you are in your financial journey.
The Mindful Spending Plan – I try to avoid the dreaded b-word, but yes, it’s a budget
Debt repayment strategy – How to evaluate and when to get aggressive
The Ladder of Personal Finance - How to prioritize your money deployment – debt, 401k, Roth IRA, emergency fund, etc.
Retirement planning – How do I figure out how much I need?
Investing – Everything you need to know, while eliminating the noise you should ignore
Your money infrastructure – For young people just getting started, we may have to address the basics, like banking, credit cards, and credit score
This is all done for a one-time fee
This is all done for a one-time fee
The impact of 1-2% annual fees from a financial advisor may not sound like much, but the impact on your compound interest engine - your nest egg - can be profound. Based on historical returns, an initial investment of $10k in the S&P 500 will turn into $850k in 40 years. What is the impact of 2% fees every year? Instead of $850k, you woul
The impact of 1-2% annual fees from a financial advisor may not sound like much, but the impact on your compound interest engine - your nest egg - can be profound. Based on historical returns, an initial investment of $10k in the S&P 500 will turn into $850k in 40 years. What is the impact of 2% fees every year? Instead of $850k, you would be left with only $383k. Ouch!
You might think that advisors will help you pick the right actively-managed funds, but it has been proven time and time again that somewhere between 92-95% of them fail to beat a simple low-cost index fund given 5 or more years of investing time frame.
One of the main reasons I was able to retire by 50 was because I avoided fees for 20+ years of investing. I want to help you do the same. I charge a one time fee that is a fraction of the cost of a financial advisor. As importantly, I don't hound you for more fees year after year because you will walk away armed with the knowledge to do it yourself.