Empowering You to Live Your Best Financial Life
Our expertise in financial, investment, and retirement planning will guide your path to financial fulfillment.
Have a Cash Flow System
Every dollar you have should have a job. If you aren’t giving a job to every dollar then your dollars are working against you.
Keep Your Spending Categories Manageable
When thinking about your spending, be sure to lump expenses together to save yourself from being overwhelmed by the number of categories or buckets you have.
Don’t Be Afraid to Spend More Than Your Plan
We only have so much willpower to get through the day and the same goes double when it comes to managing your finances. Preserve your willpower by allowing yourself to live outside your financial and spending plan from time to time.
In Your Spending, Target Only Things You Can Actually Control
We are too good at beating ourselves up and in our finances that happens most with our spending. While I love knowing what your spending is, be careful not to be too critical too quickly.
Create a Spending Plan
If you want to do everything you want in life and then die with a dollar in your bank account or whatever amount you want to leave your kids, there is a simple equation.
Match Your Spending with Your Values
There is a lot of talk these days about aligning your investments with your values. But what about your spending? We are hard wired, it seems, to pay little to no attention to our spending.
Create an Emergency Fund
You’ve probably heard this one before, but let’s bring some reality to the topic of creating an emergency fund. An emergency fund is simply a pile of cash that we keep safe and available in case we need it.
Focus on Cash Flow Over Your Entire Life
If your goal is to do everything you want in life and die with at least a dollar in your bank account, or whatever amount you want to leave to your kids, then there is a simple equation that will tell you if you are on the right track.
Work Your Finances Consistently, Even If Gradually
Just like exercise, a little bit of financial health is much better than none. Finances can be overwhelming when we try to think of all areas at once. We know it is important to have all areas of our financial lives working together, but it is simply too scary to do it all at once.
Never Take Advice that Drives Compensation for the Advisor (Without Knowing It)
Would you ever go to a Toyota dealer and ask a salesman whether you should buy a Toyota, a Ford or a Mercedes? Of course not. The Toyota salesman is paid to sell Toyotas so we already know what his answer will be.
Get to Clarity, Control & Intention
What is Financial Planning? I like to think about it in a very simple way. You need to have clarity in your finances before you can have control. Once you have control, you can be very intentional.
Optimize Your Finances For YOU, Not Your Neighbors
The things you do and buy that do not follow your friends and neighbors are more likely to reflect your true values and purpose in life. And that’s what we want your money to do.