Highly variable incomes can be tricky to navigate, -unless you’re set up properly.

Setting up your finances so that excess income automatically deposits into savings while your checking account stays on a steady allowance you set yourself, whether times are good or times are bad.

We call it the Wealth Builder Account because it establishes your system that will forevermore, automatically, accumulate all cashflow beyond your usual monthly expenses.

It’s not rocket science; it’s just applied economic science using time-tested financial wisdom.

Scenic view of mountains, lake, and rolling hills with trees and grass in the foreground.

Powerful financial planning models

The Living Balance Sheet financial planning software is a robust modeling tool developed over the last 40 years to be the best. Full-stop.

-Want to model “Buy term and invest the difference?” -Be sure to consider the term premium expense and investment basis costs less applicable taxes when measuring your projected returns against the time value of money of those term premiums, and the out-of-the-market returns of the whole life illustration net of taxes, so that you’ve got apples to apples.

Sounds complicated, right? It is. That is why soundbites don’t work for actual strategies to grow your personal economic wealth. What works is looking at what you have, what you reasonably expect the future to bring in the next 3-5 years, what you want your long-term care situation to look like, and what you want to accomplish between now and then. This is a custom-tailored suit and does not fit anybody else.

Full Service - No Fee Financial Planning

-We start with an introductory open talk meeting to become familiar with your specific circumstances, and to hear what the American Dream looks like to you.

-The 2nd meeting is Protection Overview because you work too damn hard for your money for a random catastrophe to destroy your life.

-The 3rd meeting we will review the costs of protection you are already paying for health, life, disability, LTC, homeowners, liability, and auto. We will look at your income sources and where you are spending your money now, and what your plans are for spending and earning in the immediate future.

-The 4th meeting we will look to enact protection vehicles appropriate to you for your situation and given your preferences. We will then discuss your time frame for your predicted life events and begin building a financial strategy to efficiently meet your liquidity goals while also gradually shifting cash flow to arrive optimally positioned for favorable tax treatments of your accumulated assets in retirement.

-The 5th meeting we talk about investments and appropriate asset shifting strategies for your long-term maximum legacy value growth, consistent with risk preferences over time.