The 4×4 Financial Independence Plan ˢᵐ

4 Essential Elements x 4 Sequential Steps

The 4 Essential Elements

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 4 Sequential Steps

Optimize what you have

Eliminate debt

Establish significant liquid cash reserves

Invest for long-term goals and plans

The 12 Foundational Financial 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 Asset Protection Planner


The Smart 3-Tiered Cash-Reserve System


The Smart Legacy Plan Organizer


The Smart Tax Minimizer (For Consumer and Home-Based Businesses)

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Why We Are Different

Independent Fiduciary Advisors 

Real Estate-Integrated  and  Self-Directed

From Tony Robbins and his recent book “Unshakeable”

 A Financial Sherpa Can Help You
To and Through Your Retirement

A Better, Smarter, Safer Way to plan for retirement, protect your assets, plan your estate, and minimize your taxes.