The 4 Essential Element

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.

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The 4x4 Financial Independence Plan ˢᵐ

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The Smart 401(k) Supercharger ˢᵐ

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The Smart College Cost Eliminator ˢᵐ

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The Smart Debt Eliminator/Credit Builder System ˢᵐ

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The Smart Investment Property Evaluator ˢᵐ

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The Smart Mortgage Paydown Accelerator ˢᵐ

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The Smart Social Security Maximizer/Retirement Healthcare Estimator ˢᵐ

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Annuities

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Coaching and Consulting

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Delaware Statutory Trusts

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Insurance-Disability

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Insurance-Life

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Mortgages-Forward

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Mortgages-Reverse

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Notes

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Real Estate Rentals (Direct)

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Real Estate Rentals (Partnerships & Syndications)

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Securities (Stocks & Bonds)

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5 Questions to Ask Yourself 5 Years Before You Retire

5 Questions to Ask Yourself 5 Years Before You Retire

Retirement PlanningRetirement planning takes on added urgency the closer you get to leaving your job. Imagine your future by looking at the major factors: housing, activities, lifestyle, life expectancy, and unexpected events.The first step in any retirement income...

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8 Reasons Not To Do a Roth Conversion

8 Reasons Not To Do a Roth Conversion

Tax PlanningThe Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move.We love Roth IRAs and...

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Dogecoin – Meme Currency

Dogecoin – Meme Currency

Dogecoin is having a moment, fueled by a loud online following that includes celebrities and influencers like Elon Musk. You May Also Like...

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Key Changes to the Tax Cuts & Jobs Act

Key Changes to the Tax Cuts & Jobs Act

Tax PlanningWhile the New Tax Cuts and Jobs Act has been in effect for the past few years now. It is smart to review the changes every year as your tax situation may be different. Certain areas such as deductions and estate planning should be looked at every year. For...

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Key Planning & Investment Deadlines Spring 2021

Key Planning & Investment Deadlines Spring 2021

Financial GuidesFor this reason, I want to share our reference card entitled, "Key Changes from the Tax Cuts and Jobs Act”. This chart touches on aspects of your tax plan that you will want to look at every year with your accountant.  Naturally, I am just a phone call...

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Investment Advisor vs Broker

Investment Advisor vs Broker

Before you seek investment advice it's good to know who it is you are getting advice from! Here's the difference between a Broker and an Investment Advisor. You May Also Like...

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2020 Portfolio Review and Market Update

2020 Portfolio Review and Market Update

Retirement Planning As an Independent Fiduciary Advisory, we at Lifetime are very proud to work with Synergy Financial Management as our primary investment management firm.  We are also fortunate to have Synergy’s President, Joe Maas, serve as our CIO. Periodically,...

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