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The 4×4 Financial Independence Plan ˢᵐ
4 Essential Elements x 4 Sequential Steps
Retirement Planning
Income Independence
Estate Planning
Legacy
Preservation
Asset Protection
Asset
Protection
Tax Planning
Tax
Minimization
The 4 Essential Elements
The 4×4 Financial Independence Plan ℠ covers all 4 Essential Elements — Retirement Planning, Asset Protection, Estate Planning, and Tax Planning.
Income Independence – Everyone is at a different phase of their financial life. When one is younger, the focus is mainly on asset accumulation. The goal is to earn a living. Then, save and invest enough money to finance a lifestyle today and ultimately accumulate enough assets to finance a lifestyle from those assets in the future. Generally, people refer to this as “retirement”. We prefer to refer to it as “Financial Independence”, when your assets are sufficient to provide with an income so that work is no longer a requirement. Instead, work is an option. Income planning is the process of taking you from where you are today that place, to financial independence.
Asset Protection – Protecting what you have from those that would take it from you is asset protection. The “takers” can be creditors, relatives, the government, and others. Your assets not only include traditional things like stocks, bonds, and real estate. For many, their single biggest asset will be their ability to earn an income over their lifetime. That needs to be protected too. The goal is simply to create barriers and boundaries that prevent and/or deter others from taking what you have earned.
Legacy Preservation – We look at our financial lives in two phases; one while you are living and the other when you are not. I call this your life and your legacy. Think of it as asset protection once you are no longer here to physically protect your assets. The goal of estate planning is to ensure that what you have accomplished in your live will be passed on to your future legacy in a manner that you choose.
Tax Minimization – Taxes are life’s single biggest expense. Yet, like most expenses, paying taxes are a choice that you get to make. It’s not that you get to choose if you should or should not pay taxes. It is simply a matter of making tax-efficient financial decisions. This is the principle of “The Net” which states, “it’s not what you make, it’s what you keep that matters.” In our opinion, any comprehensive financial plan needs to address each of the essential elements, simultaneously, or the plan falls short of being as effective as possible.
The 12 Foundational Modules
The Smart 401(k) Supercharger
The Smart Investment Property Evaluator
The Smart Mortgage Paydown Accelerator
The Smart Mortgage Minimizer
The Smart Debt Eliminator/Credit Builder System
The Smart Social Security Maximizer/Retirement Healthcare Estimator
The Smart Financial Independence Blueprint
The Smart Tax Minimizer (For Consumer and Home-Based Businesses)
Get Started
Enroll now to get started with The 4×4 Financial Independence Plan ˢᵐ and discover a better, smarter, safer way to finding your financial independence.
Enjoy the benefits of all 12 Foundational Financial Modules — Retirement Planning, Asset Protection, Estate Planning, and Tax Planning.
Choose a plan that works for you
Self-Directed with access to Online Training, Tools, and Community Membership.
Optional Additional One-On-One Coaching and Financial Oversight with an Independent Fiduciary Advisor.
Featured Newsletters
From Tony Robbins and his recent book “Unshakeable”
Financial Sherpa
A Financial Sherpa Can Help You To-and-Through Your Retirement.