The 4 Essential Elements:

Retirement Planning

Our unique and proprietary systems and services will take you from where you are today to your Financial Independence Day so you can begin to live the life you really want.  Select any of the headings below to learn more about them now.

  • The 4×4 Financial Independence Plan sm
  • The Smart Social Security Benefits Maximizer/Retirement Healthcare Expense Estimator sm
  • The 401k Supercharger sm
  • The Home Equity Acceleration Plan – H.E.A.P.
  • College Planning
  • Consulting

Educational Articles

The material in this section is designed to help you both grow and maintain your Retirement Plan so you can Live more independent!

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

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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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

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

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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The Smart Tax Planning Newsletter – November 2019

The Smart Tax Planning Newsletter    Tax Tips November 2019 Year-End Strategy Edition   Below is a fairly detailed review of several important Tax Topics. I will provide you with a similar synopsis each month. I realize that not all of this information will be...

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9 Reasons You Should Consult With Your CPA Before Year-End

The Smart Tax Planning Newsletter 9 Reasons You Should Consult With Your CPA Before Year-End While the national focus has been on uncertainty around the new tax law, there are many individual tax-planning opportunities you should consider before year-end to ensure you...

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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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The Smart Tax Planning Newsletter – October 2019

The Smart Tax Planning - October 2019   Below is a fairly detailed review of several important Tax Topics. I will provide you with a similar synopsis each month. I realize that not all of this information will be important to everyone. Therefore, to make the best...

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