As a retired Investment Advisor I have a command of all things personal finance but, am no longer in the business of selling a financial product (which benefits you in a BIG way). Ask me why more Americans are unprepared for retirement than ever before when we talk (aprox. 90%).
Everyone has their own financial finger print so please read below to find out where you fit in. I have identified the sections in all caps. By reading below, it will help you ask me better questions when we meet. However, if you start to feel overwhelmed and simply want to jump in and ask me, I can usually target your true issue within a few minutes even if you are unable to articulate it.
STARTING OUT OR STARTING OVER
If you are starting out and feeling overwhelmed and don’t know where to start. You need help right now with a budget to get you focused on the steps you need to take to get out of debt and stop the pain of future financial stress by setting up an emergency fund. You will learn how to budget and get out of debt.
• Stop the surprises by getting organized
• Stop fretting over the control debt has over you
• Stop feeling powerless
• Stop the agony of paying bills
• Stop feeling insecure
• Stop fearing your financial future
YOU MAKE GREAT MONEY BUT LITTLE TO SHOW
Maybe you have tried other advisors, insurance agents or coaches and failed or just didn’t achieve the long-term behavior you expected, you likely have not done this one thing that guarantees you stay disciplined long after.
If you’ve started on your path to maintaining a disciplined budget but have a thousand questions now that you’re actually in the throes of buying a house, needing life insurance, starting that long overdue 401k AND struggling (yes struggling) with your new found solvency, then this course is for you.
• Focus – No more hocus pocus, just focus. You can slowly “hack” your way to success or you can get the answers and resources you need now.
• Master your Mindset – Our brains are hardwired for survival. The irony is this survival instinct can sabotage your success. Have you ever gotten close to achieving something and then for some reason backed out because it just felt safer? That’s your survival instinct at work and thrive coaching can help you become more intentional (there’s nothing more powerful than a made-up mind).
• Accountability – Like Mark Twain said: “Action speaks louder than words but not nearly as often”. Great ideas are all over, but mission accomplished is a totally different animal. A coach gives you someone you can be accountable to.
• Through Thrive Coaching you’ll learn to stop living your financial life as a wandering generality AND live with meaningful purpose. The class is in a group format which ensures that you’re not alone in your challenges, you are able to give and receive support from your class and you might just find an accountability partner.
• In addition: Deep discount on highly valuable knowledge that would normally cost over $4,000 through one-on-one sessions. You will learn your personal “Why”, why your bad financial past, priorities and giving is so important AND, you will learn the ONLY way to sustain the new habits you will learn. Without this your chances of falling off the wagon is almost certain.
YOU WANT TO OPTIMIZE A GREAT SITUATION
If your situation is more complex than the budget or habits you’ve mastered. You have a house, rental property, investments and are in retirement or 10-15 years out from retirement and want to know you are making the most optimal decisions possible.
We can help you explore each category of your finances and take a journey through each iteration (or possibility) until you have discovered the most optimal decision for each area of your financial life for yourself.
Think, “control what you can manage what you can’t”. It’s time to organize the knowledge you have amassed.
• Learn how to create fully comprehensive financial plans at a fraction of the cost of alternatives and cut plan creation in half with our proprietary Financial Planning Software.
• Easy-to-use calculators that analyze how common planning strategies will impact a plan. Includes Roth IRA conversions, optimal income distribution, reverse mortgage, mortgage acceleration, guaranteed income benefit, fixed asset reallocation, and social security analysis. Once the value of the strategy has been analyzed, the user can implement it with a single click!
• Model existing holistic financial pictures and test multiple scenarios using unlimited plan iterations.
• Discover a hybrid strategy that has helped many people. Like every other iterative test, you will test to see if this strategy has a positive economic impact and may reduce fees and volatility.
• Auto-generate a Financial Plan Summary in an editable full overview word document from pre-built paragraphs based on each of your plan recommendations. This document makes it easy to understand the numerical plan by putting into plain language your current financial situation, the reasoning for each recommendation, and the value of each recommendation in dollars.
NOVICE BUT READY TO BE EXPERT
Or maybe you have a moderate understanding of all things money and want to arm yourself with the right knowledge from a professional you know has your best interest at heart (not be sold a financial product), I will work with you so you can start taking those first steps towards prosperity.
Find out what other advisors and coaches have gotten wrong (you'll be shocked!). I will show you how to calculate your way through your most important financial decisions, find money you didn’t think you had, save money you didn’t think you could, calculate the REAL amount of life insurance you need (if any), your retirement goals and which investments are the right investment for you.
You will discover how:
• To use your talents, passions, skills and values to create your purpose with money and eradicate your limiting money beliefs.
• To break through the invisible barrier that seems to keep you from breakout success.
This is where you begin your discovery process which is about working through limiting money beliefs with perceptions and mindset.
You will discover how to stop:
• Feeling insecure.
• The agony of paying bills.
• Fretting over the control debt has over you.
• Fearing your financial future.
Here you will continue to break down barriers and shore up trouble spots by taking stock which empowers you to live within your means and stop financial surprises. You’ll find out what you are REALLY making. Think you know what you make each year? It's far less than you think, and you'll learn what to do about it.
You will discover how to:
• Work less and have more.
• Tap into abundance you didn’t think you had.
• Exercise accountability even if accountability has been a challenge.
Here you will discover how to harness the true and often misunderstood power of attracting wealth. You’ll find how to stop trading the things you truly value for the imitation life we are constantly sold. Afterwards, you will find it infinitely easier to maintain the right path when most everyone else has long given up on their “New Year's Resolution”. It’s easier than you think!
You will discover how to:
• Find money you didn’t think you had.
• Save money you didn’t think you could.
• Turn loose change into $100k by retirement.
Here I start to help you flex your calculating muscles. You will find how those loose pennies in your pockets are more valuable than you think. And, how it's not too late to have a kick butt retirement
You will discover:
• How to synthesize abundant financial knowledge for your practical application.
• How to think critically regards creating an immediate estate.
• Why the pros argue about which type of life insurance is right and what is REALLY right for you.
• How to calculate your own amount of insurance so you know you are not buying more (or less) than you need.
• Five things you MUST consider before buying Long Term Care Insurance.
• Four ways to decrease the cost of your Long-Term Care.
• Where to go to get the best deals on your Life, disability and Long-Term Care insurance that could save you thousands of dollars (this alone is worth over $70,000)!
• Tips and tricks to save you bundles on the decisions with insurance and
• How to step through the underwriting minefield to ensure you get the best rates. And, it doesn’t stop there!
Here you'll discover why sound finances are so critical to not only you, but the ripple effects money has on your children and the greater of society and; why it’s so important for you to be able to think for yourself when it comes to money. Next, I can work with you about “Creating an Immediate Estate” where you learn the straight scoop on all thing’s insurance through the lens of the HP 12c calculator.
You will discover:
• How to build a solid retirement and the new viewpoint you NEED to have to build that solid future.
• How to calculate your own retirement needs.
• Why you haven’t experienced the long-term average 12% returns some professionals claim you can get and what to do about it.
• The history of the markets and why the future will not be what many professionals would have you believe.
• How to be a winner under any stock market environment.
• The three ways to save and the three worlds of investing and how to make them work for you.
• How to use the HP 12c to think critically for your most optimal financial decisions.
• To think critically when making your investment decisions.
• Where to go to find some of the best and least expensive investment management (the savings will blow you away!). You will easily see how you can save over $100,000 in fees.
Next, I can take you on a deep dive on the three ways to save, the three worlds of money, a look into insurance vs equity products for saving, what you need to look out for and how to correct inefficient decisions with your retirement.
You will discover:
• How online calculators can be misleading and why it’s important to learn for yourself.
• How ads are hurting your chances for financial success.
• Different lending like hard money, portfolio and conventional and what they should be used for.
• What’s TRULY right for you, the 15 or 30-year mortgage. You might think you know but, if you are wrong you stand to lose $130,000!
• How people are working to try and take your money while you're working hard for it and how to protect yourself from that.
• How to seize the banks license to steal money from you.
• What they REALLY mean when realtors say location, location, location.
• What to look for so you KNOW that you are buying right when it comes to your principle residence and investment properties. This could line your pockets with an additional $150,000!
Next, we can cover real estate where you will learn what they REALLY mean when they say location, location, location. You’ll learn the whole process for a home transaction with the most important considerations and the options for financing a purchase. You’ll learn real estate investment strategies. But, most importantly, you will learn how to think critically about your real estate and financing decisions.
You will discover:
• What will keep you from never turning back once you’re well off.
• The steps you need to take to ensure you have more than just brief success with money.
• How to tap into your happiness trifecta.
• How to make some great spare-time money.
• How to find tax write-offs you may not currently enjoy that can add over $400 per month in your pocket immediately!
This is your last step learning how to take their license to steal your money and is powerful, unique and results oriented.
