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The 4×4 Financial Independence Plan sm
The 4 x 4 Financial Independence Plan ℠ is our unique and proprietary financial planning system that will help you achieve financial independence. Our 4×4 Plan includes 4 Essential Elements and 4 Sequential Steps.
The 4 Essential Elements
The 4×4 Financial Independence Plan ˢᵐ covers all 4 Essential Elements – Retirement Planning, Asset Protection, Estate Planning, and Tax Planning
Retirement Planning
“Income Independence”
Asset Protection
“Asset Protection”
Estate Planning
“Legacy Preservation”
Tax Planning
“Tax Minimization”
The 4 Sequential Steps
The 4×4 Financial Independence Plan ˢᵐ includes following our 4 Sequential Steps. By following these 4 steps, we can help you achieve financial independence.
The 12 Foundational Modules
The 4×4 Financial Independence Plan ˢᵐ includes all 12 of our foundational financial modules. To learn more about each individual module, click on the links below.
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) ℠
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.
Pricing Breakdown
There are a few options to choose from, based on your needs.
The Gold – The 4×4 Financial Independence Plan ˢᵐ is our one-on-one coaching plan which includes live financial coaching with an independent fiduciary advisor, registered financial consultant, and lifestyle coach.
The Silver – The 4×4 Financial Independence Plan ˢᵐ is for individuals who would like to complete the program on their own – DIY.
If you are looking to develop a comprehensive financial income plan, and aren’t sure if you are ready for The 4×4 Financial Independence Plan ˢᵐ, you can start with our basic option, The Smart Financial Independence Blueprint ˢᵐ.
Both the Silver and Gold plans include access to all 12 foundational financial modules.

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.
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