About Us
We are a financial services firm providing a full range of financial and advisory services for professional and business clients. I help those who are just getting started, right up to those preparing for optimum retirement by implementing a range of strategies to REDUCE TAXES, ELIMINATE DEBT and INCREASE SPENDABLE INCOME.
How We Got Started
We got our start in the insurance industry as independent Brokers, and discovered that as our business evolved we were able to explore a variety of options that are extremely beneficial to our clients' financial futures and preservation of their assets.
The products and services we offer
Products & Services
Employment transition? We can clarify the options and help you place your 401k account into an optimum position for growth.
Recommendations Given (53)
"I have been using them for all my ink needs for at least 5 years!"
"Solid man of integrity!"
Recent Activity
What is a Delta variant? The hospitals can't tell you, and they don't have a test for it. I know a nurse who cared for 35 patients that had tested positive this month for Covid-19, and all of them had previously gotten the "vaccine". The experiment didn't work, yet the government and those who...
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What is a Delta variant? The hospitals can't tell you, and they don't have a test for it. I know a nurse who cared for 35 patients that had tested positive this month for Covid-19, and all of them had previously gotten the "vaccine". The experiment didn't work, yet the government and those who buy into their lies keep pushing it. WHY? By the way, all the patients recovered, but some who have taken the vaccine weren't so lucky....
This is big government's ploy to bleed the middle class for more taxes, and the penalties are the gravy on top. The government is looking in all directions to try to recover some of the money they are literally throwing at their own special interests, and small businesses are the target. ...
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This is big government's ploy to bleed the middle class for more taxes, and the penalties are the gravy on top. The government is looking in all directions to try to recover some of the money they are literally throwing at their own special interests, and small businesses are the target. Socialism is the end result, the knife that cuts into the American dream. We MUST remove the politicians that support Socialist legislation!
Those of us who are still in the work force know and understand that there is a survival rate from this virus greater than 99%---far better than the flu. My clients are very well positioned at this point but it is critical that our country OPEN for business, or our country gets weaker than we...
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Those of us who are still in the work force know and understand that there is a survival rate from this virus greater than 99%---far better than the flu. My clients are very well positioned at this point but it is critical that our country OPEN for business, or our country gets weaker than we already are at this stage. The isolation "cure" has become worse than the illness such that capitalism, 401k plans and IRAs can become threatened by the push for socialism and communism. I specialize in helping my clients reduce taxes, eliminate debt and create more spendable income so that large purchases and long term goals remain on track. We move forward in faith and courage, not fear.
I encourage Small Business Owners to exercise caution when stepping into a commitment with the Federal Government. When the government tells you they have something good for you, you can rest assured that it is also good for them. Much like a 529 college fund, you must be careful to keep...
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I encourage Small Business Owners to exercise caution when stepping into a commitment with the Federal Government. When the government tells you they have something good for you, you can rest assured that it is also good for them. Much like a 529 college fund, you must be careful to keep meticulous records on the disbursement of these funds. The ways the funds may be used is spelled out for you, and deviation from the required uses can result in a 150% payback, if I am reading the fine print correctly! Also, for loans over $25,000 your home and/or other assets will be attached for collateral. Finally, do the math on a 30 year amortization schedule so you fully understand exactly what this relief money will actually cost you.
The bottom line is if this loan could be the difference between business survival and failure, and you are able to meet the disbursement requirements, this can be a wonderful lifeline. On the other hand, if you can make it to the other side of COVID-19 madness, you may want to consider alternative strategies! If you're unsure which way to turn, we can always catch a cup of coffee and discuss it, no charge. Best wishes to each business owner as you navigate 2020!
I have adapted primarily with Zoom, following preparation, then I can share recommendations with my clients from my computer screen. I will likely continue to do a fair amount of business from Zoom, but the face to face appointment remains my first preference, and I'm honestly no longer...
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I have adapted primarily with Zoom, following preparation, then I can share recommendations with my clients from my computer screen. I will likely continue to do a fair amount of business from Zoom, but the face to face appointment remains my first preference, and I'm honestly no longer concerned with this virus. I personally believe it fits an agenda, not necessarily reality---caution and cleanliness suffice.
Placing my clients' interests ahead of anything else I do enables me to rise above the norm. My clients are presently in a very good position because I strive to help them eliminate debt, reduce taxation and minimize their exposure to Market risk while still taking advantage of the gains. In...
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Placing my clients' interests ahead of anything else I do enables me to rise above the norm. My clients are presently in a very good position because I strive to help them eliminate debt, reduce taxation and minimize their exposure to Market risk while still taking advantage of the gains. In light of our present situation, we have some very creative options that will prepare you for a prosperous financial future!
RETIREMENT: COMMON CONCERNS
DEBT One of the major concerns in preparation for Retirement is the need for debt reduction. How can I effectively reduce debt while saving for Retirement, and avoid large taxation events at the same time? How do I establish resources for Early Retirement? How...
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RETIREMENT: COMMON CONCERNS
DEBT One of the major concerns in preparation for Retirement is the need for debt reduction. How can I effectively reduce debt while saving for Retirement, and avoid large taxation events at the same time? How do I establish resources for Early Retirement? How do I handle future major purchases in the course of Retirement without creating more debt?
MARKET EXPOSURE A second consideration is the level of Market risk you are willing to live with as you age---when is it too late for "make up" time? Several factors come into play here, such as how can I protect my savings and still hedge against inflation, where are the optimum places to grow money outside of Market exposure, or how much of my portfolio do I need to protect from Market adjustments?
TAXATION For those who have already minimized or eliminated debt and/or Market exposure, the focus is more on preservation of funds---keeping as much of your Retirement assets as possible. Consideration shifts to reducing taxation in Retirement, and how can those assets be passed on to heirs "tax free"? How does the recently passed Secure Act impact those efforts?
We have a System that will help you get answers to these questions and concerns, and it is not difficult, but readily attainable! Contact me for a free consultation.
Health Sharing healthcare companies may be a really good option, but enter this tunnel with eyes wide open. I am a financial professional who specializes in minimizing debt and reducing taxation, but I am also an independent broker and licensed insurance agent, and I am especially wary about...
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Health Sharing healthcare companies may be a really good option, but enter this tunnel with eyes wide open. I am a financial professional who specializes in minimizing debt and reducing taxation, but I am also an independent broker and licensed insurance agent, and I am especially wary about what I am willing to recommend to my clients. Here are some key points to consider:
* Health Sharing companies are NOT all on the same playing field. Read the fine print, ask questions, pay attention to testimonials, and know that some of these companies are better positioned for profit---others sincerely benefit their clients, no obscure agenda.
* People who are at least relatively healthy and bear the bulk of health insurance premiums due to higher household incomes stand to gain the most from a good quality Health Sharing company. This may also be a really good fit for someone looking for healthcare coverage outside of Open Enrollment, or to bridge the gap between Retirement and Medicare, between jobs, or between college and employment.
* People who have significant health issues, a very poor health history, or take expensive medicine do not always have a good experience with a Health Sharing company, as pre-existing conditions matter and the prescription plans are limited to discount plans.
Feel free to message me with questions
Social Media is a valuable tool for every business. The key is exposure and awareness, not necessarily a flood of clients. Clients will come as people recognize your business---popularity lends a measure of comfort in doing business or at least exploring your services. The goal is certainly to...
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Social Media is a valuable tool for every business. The key is exposure and awareness, not necessarily a flood of clients. Clients will come as people recognize your business---popularity lends a measure of comfort in doing business or at least exploring your services. The goal is certainly to expand your business, so consistent exposure will eventually draw those who are looking.
