Services

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 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 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

Financial Planning for the Generations

Estate PlanningIn most families, the needs and interests of family members overlap. Even if your money is separate, planning needs to happen for all.It is normal, when working with your financial advisor, to focus on the needs of your immediate family. If you are a...

Retirement Income: Which Accounts to Tap First

Retirement PlanningMany people assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea; but not always.A basic tenet of tax planning is to put off paying taxes for as long as possible. By...

Section 1031 Rules

Tax PlanningDo you own business or investment property that has gone up in value?  Would you like to acquire new property?  If you sell the old property, you’ll have to pay tax on your profits.  Don’t do that. Instead, do a tax-deferred Section 1031 transaction.With a...

Do You Have Children Under 17 Years Old?

Tax PlanningFor the 2021 tax year only, the American Rescue Plan Act of 2021 (ARPA) makes big, taxpayer-friendly changes to the federal income tax child tax credit (CTC).  Here is what you need to know, starting with some necessary background information.CTC Basics...

Cybersecurity Monthly Newsletter May 2021

Asset ProtectionIn this issue: Colonial Pipeline Pays $5 Million Following Ransomware Attack Cybersecurity Shorts Software Updates Welcome to the May Savvy Cybersecurity newsletter. This month we'll be sharing information on the Colonial Pipeline ransomware attack....

The Smart Tax Planning Newsletter May 2021

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: Self-Employed During the Pandemic? Lawmakers Didn't Forget You! Deduct 100...

What is a “Safe Money” Contract?

How Safe Is My Money with a Life Insurance Company vs. a Bank?Many times we are asked, “Is my money safe with an insurance company?”  It’s a legitimate question.  After all, you are entrusting your money to an insurance company for 10, 20, 30 years or more, and even...

Handling Key Non-Tax Financial Issues When a Loved One Passes Away (Part 3)

Estate PlanningA financially comfortable loved one has passed away. During this time of seemingly endless bad news, that's not an uncommon situation. Sad but true. The now-deceased loved one may have been single or married and may have been a relative or not. In any...

Tax Considerations When a Loved One Passes Away (Part 2)

Estate PlanningA financially comfortable loved one has passed away. In this year of seemingly endless bad news, that's not an uncommon situation—sad but true. The now-deceased loved one may have been single or married and may have been a relative or not. In any case,...

From Tony Robbins and his recent book “Unshakeable”

Financial Sherpa

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