Services

The 4×4 Financial Independence Plan ℠

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 4 Sequential Steps

By following our 4 steps, you can reach financial independence. 

Optimize what you have

Eliminate debt

Establish significant liquid cash reserves

Invest for long-term goals and plans

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 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) ℠

Get Started

Enroll now to get started with The 4×4 Financial Independence Plan ˢᵐ and discover a better, smarter, safer way to find your financial independence.

Enjoy the benefits of all 12 Foundational Financial Modules — Retirement Planning, Asset Protection, Estate Planning, and Tax Planning.

 

 

Optional Additional One-On-One Coaching and Financial Oversight with an Independent Fiduciary Advisor.

Featured Newsletters

How to Pay for Long-Term Care: 8 Strategies

Retirement PlanningFor most, it is difficult to think about the possibility of needing long-term care. But many will need it. Start the discussion and prepare yourself now so you do not face a financial challenge later.Long-term care planning—if not now, when? Two big...

Fall 2022 Key Financial Planning & Investment Deadlines Checklist

Financial GuidesAs we head into the fourth quarter, it's time for your Fall Key Planning & Investment Deadlines postcard. Every quarter, I like to send clients, family, and friends a reminder of all the key financial deadlines heading our way over the next three...

Summer 2022 Key Financial Planning & Investment Deadlines Checklist

Financial GuidesSummer is here! And it's time for your Summer Key Planning & Investment Deadlines guide. Every quarter, I like to send clients, family, and friends a reminder of all the key financial deadlines heading our way over the next three months....

The Smart Tax Planning Newsletter May 2022

Tax PlanningEvery month we provide you with a fairly detailed review of several Important Tax Topics. Scan through the highlighted topics noted below.  In This Month's Newsletter We Review: Donor-Advised Funds: A Tax Planning Tool for Church and Charity Donations...

Tax-Smart Strategies to Pay for College

Tax PlanningA special report by the Bradford Tax InstituteIn this newsletter we review: How Are 529 College Savings Account Withdrawals Taxed? Child's College: Use a 529 Plan or Tap Your Roth IRA? Tax-Smart College Savings Strategies for Parents Paying for College—a...

Cybersecurity Monthly Newsletter April 2022

Asset Protection In this issue: Medicare Scams: What You Need to Know Cybersecurity Shorts Software Updates Welcome to your April Savvy Cybersecurity newsletter. Read on to learn more about: The urgent need for cybersecurity whistleblowers New Rules on Cybersecurity...

The Smart Tax Planning Newsletter April 2022

Tax PlanningEvery month we provide you with a fairly detailed review of several Important Tax Topics. Scan through the highlighted topics noted below.  In This Month's Newsletter We Review: Health Savings Accounts: The Ultimate Retirement Account Partnership with...

9 Reasons Why This is Not 2008 All Over Again & Why a Big Correction in Home Values is Not Likely to Occur Soon

SECURITIESWith evidence of inflation all around us mortgage rates are, predictably, up.  Does this mean home prices will now decline?  I don’t think so and here are 9 reasons why.  Echo boomers, 75 million of them (5 million more than baby boomers) are no longer...

Why Open a 𝙢𝙮 Social Security Account?

Retirement PlanningYou might assume it's safer to keep your personal details—especially your Social Security number—off the internet. Actually, setting up a my Social Security account is an important step toward protecting your benefits. We've all heard warnings not...

Shifting into High Gear – Profit Margins in Focus

SECURITIESPeter Lynch once said “I always thought if you looked at ten companies, you'd find one that's interesting, if you'd look at 20, you'd find two, or if you look at hundred you'll find ten. The person that turns over the most rocks wins the game.”Synergy...

From Tony Robbins and his recent book “Unshakeable”

Financial Sherpa

A Financial Sherpa Can Help You To-and-Through Your Retirement.