The Smart Financial Independence Blueprint

Plan for Your Retirement


Create and implement a comprehensive financial plan almost immediately


Comprehensive analysis and detailed action plan


Keep track of your family’s income and expenses, as well as liabilities and assets

At the core of every financial plan is the “Income Plan”, which we like to call The Smart Financial Independence Blueprint.  Income planning is the process of converting the earnings and the assets you have today, into investments that will provide the income you want for tomorrow and the rest of your life.  Most people refer to as “retirement”.  We prefer to call it your “Financial Independence”, that day when your assets provide the income you need to maintain your lifestyle, and work is no longer a requirement. It’s an option!

Income Planning is one of the 4 Essential Elements of The 4×4 Financial Independence Plan.  We will take a deep-dive into your finances to show you EVERYTHING you will need to know about planning for your retirement.  We will discuss your income and your expenses, as well as your assets, your liabilities, and your tax situation.

While not everyone needs a full and comprehensive financial plan, without exception, everyone must have an income plan to make the most of the income and assets they have today, so they can begin to live the life they dream of tomorrow.

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Benefits of The Smart Financial Independence Blueprint

Helps you create and implement a comprehensive financial plan almost immediately.

We believe that financial independence can be achieved at any age and at any income level, and The Smart Financial Independence Blueprint is designed to create the plan you need and obtain this goal.

A comprehensive plan addressing 4 broad areas: Retirement Planning, Asset Protection, Estate Planning, and Tax Planning. 

The core to a “real” financial plan. It provides you with a comprehensive analysis and a detailed action plan to achieve your financial independence. 

Just as a business monitors and manages it’s profit and loss statement and balance sheet, The Smart Financial Independence Blueprint tracks your family’s income and expenses as well as your assets and liabilities. 

The Smart Financial Independence Blueprint is focused on one goal, helping you obtain your financial independence as quickly as possible and sustaining it for your lifetime. 

Times Have Changed, Your Income Plan Should Too

Just two generations ago, retirement planning used to be relatively simple; Grampa worked for one company his entire life and retired with a pension that guaranteed a lifetime of income for both he and his wife.  With Social Security benefits, modest savings and, likely a free & clear home, they had plenty of income to cover their expenses over their lifetimes.  To make things even easier grandpa, unfortunately, died after only a few years into his retirement, leaving gramma with the same guaranteed lifetime income, lower expenses, and maybe a small death benefit life insurance as well.  Finally, combine all this with a stock market that had generally grown in value since the 1950’s and a bond market yielding very high returns, when gramma passed, she likely left a nice inheritance to her children and grandchildren. 

Fast forward one generation and both mom and pop have likely worked many jobs.  Maybe, they have even changed careers as well during their working years as well.  At retirement, it is likely that neither of them will receive a pension.  If they do, it likely will not be substantial, and they may be at risk of losing some or all of it during their lifetimes.  They will likely have a mortgage.  Even with a good amount of savings both inside and outside their 401(k), those savings accounts may not provide an ongoing source of lifetime income for the both them.  Mom and pop are also living longer and more active lives in their retirement which, of course, requires even more money.  The costs of healthcare are increasing.  Taxes are rising.  The stock market is very volatile, and the bond market is paying out the lowest rates seen in history.  Then, if either mom or dad suffer a serious health issue like a stroke, dementia, or Alzheimer’s, they could find their lifetime of assets depleted in a few short months. 


Today, couples are faced with all the issues and concerns of their parents and, the potential need to help both their parents and their children financially. 


Busy lives, complexity with savings, investments, and taxes, all serve to keep one from starting to develop a basic financial plan for retirement, much less one that is comprehensive. 


Some may try to make up for lost time and inadequate savings by taking on more risk with their investments. The consequences of this option are obvious as, experiencing a substantial loss could detail their plans altogether.


Others may choose to work longer or do with less money during their retirement. Most people will do nothing, hoping that things will work out. As a result, they end up suffering both financially and emotionally and not living the life they had hoped for, much less the retirement life they wanted. 

Optional Installment Plan Available

The Smart Financial Independence Blueprint is a Better, Smarter, Safer Way to plan for your retirement.