4 Sequential Steps:
Step 1 Optimize What You Have

Most people have an investment smorgasbord, an “investment de jur,” a cacophony of investments and strategies that generally are inefficient and potentially conflicting. To optimize what you have is to simplify and organize your investments into one cohesive and manageable strategy, one system to ensure that all your assets are all working together to do all they can for you.

Educational Articles

Below you will find a list of articles, videos, and audio podcasts. They are listed in chronological order. Use the search box on the top of this page to find information on specific topics.

Beating the IRS

Beating the IRS

Your Guide to Reducing or Avoiding IRS PenaltiesIf you take your eye off the ball and file your tax returns late or fail to pay your taxes on time, you could face huge penalties.  However, if you know how to handle things right, the cold-hearted IRS will show you...

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Creating a Financially Organized Life

Creating a Financially Organized Life

Here’s how to get a jump-start on creating a system to organize your bills, statements, policies, and other financial paperwork.Financial organization is a cornerstone of a healthy financial life.  At the most basic level, financial organization saves time and money...

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Beating the IRS

The Smart Tax Planning Newsletter February 2020

The Smart Tax Planning NewsletterEvery month we provide you with a fairly detailed review of several important Tax Topics. Scan through the highlighted topic noted below.  This Months Edition Includes... Use Your Business to Maximize Charitable Donations Eight Things...

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Controlling Your IRA Assets from the Grave

Controlling Your IRA Assets from the Grave

The Smart Estate Planning NewsletterProtect IRA Assets from Your Children’s Poor Decisions   More and more wealth over the coming years will transfer between generations as our population ages. Investment News stated recently that there will be more wealth...

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Essential Element #1 – Income Planning

Essential Element #1 – Income Planning

The 4x4 Financial Independence PlansmThe 4x4 Financial Independence Plan sm is a unique and proprietary system.  At its core, it is a very simple and easy to understand system.  Yet, as you dig deeper into the plan you will learn that it a very comprehensive system. ...

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How to Receive Early Distributions from an IRA Without Penalty

Why Financial Plans from 30 Years Ago Failed

The Smart Income Independence Planning Newsletter Financial planning is not a new phenomenon.  It’s been around for 50+ years.  While financial planning has been around a long time, the question is whether most financial plans accomplished the goals they set out to...

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Key Financial Data 2020

Key Financial Data 2020

Happy New Year to you and your family! I hope the last several weeks have been merry and festive, leaving you recharged to move full steam ahead into the new decade!   Today, I have prepared a very handy reference card to help with your finances for the rest of the...

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2019 Last Chance Financial Checklist

2019 Last Chance Financial Checklist

Key Guideline 2019 Last Chance Financial Checklist Shape up your personal finances for a great year-end! Enclosed is your 2019 Last-Chance Checklist. We call this checklist "Last Chance" because it reminds us to take a look at some areas – like taxes, investments,...

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Beating the IRS

Tax Reform Guide – The Tax, Jobs & Cuts Act (TJCA) 2019

The 2018 Tax Reform bill, referred to as the Tax Cuts and Jobs Act (TCJA), is the most comprehensive tax reform bill to pass Congress in decades.  While understanding everything that changed with this bill is completely unnecessary, understanding what changes will...

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