STORYIt’s Thursday morning, I’m up at 5am getting my shit together. Ha! Ya that’s what it takes for sure.Celebrating and appreciating all that is. What a great feeling for sure. REVELATIONMy beliefs about living a high-quality life.What does this even mean you...

It was just yesterday that a client emailed in wanting to stop paying into their whole life insurance policy. You know what they say, “The market is lower it’s a great time to invest” or "buy low, sell high".Makes sense, I know, and is for sure tempting. DON’T DO...

What is Freedom? To answer this let’s first talk about the opposite of freedom. Bondage. Captive. Stuck. Boxed in. No way out. Mental Bondage. What does this mental bondage feel like? It’s painful.Frustrating.Fear that I’m always going to live like this.That there is...

Yes, I am concerned about our economy.Since early 2020 when Covid hit it’s been nothing but a roller coaster.If you weren’t sure that the media has an agenda, I think we can all agree that they do now. Who can we trust?What can you do?What should you be doing right...

My darkest days. The days when I felt lost.Confused.Frustrated the most.Disconnected. Especially around money in my life. These were the times when I was not clear about the core values I lived by. Core values. What we stand for and what we do not. Our beliefs. What...

My first real job was when I was in 7th grade. Makes me smile. CycleTown Yamaha. You guessed it. Motorcycles, and back then ATV’s. 3 wheelers. LOL Remember those? I washed bikes. Swept floors. Emptied the trash. And I got to ride all the bikes around the lot. I soon...

Executing an estate plan is not the final step in the estate planning process. Some assets such as life insurance, annuities, qualified plans and IRAs pass by contract to a beneficiary chosen (or not chosen) by the contract owner, and not via an estate plan (e.g.,...

“A deep sense of self-worth is at the core of a healthy prosperous life” I deserve this.You deserve this in your life.Everyone deserves this in their lives. To love and be loved. It all starts with the way we value ourselves.  When we don’t feel worthy, we shut out...

In life when we are not organized, we create panic.We are frustrated and confused. It’s hard to find things. We overreact. Scream. Yell. Blame others. We have all felt this at one time or another in our lives. Personally, and professionally. How are you with your...

Asset: something of perceived value. Liability: monies owed, debts, obligations. What is a balance sheet?A summary of financial balances. It reports a company or individuals assets and liabilities at any specific point in time. In the world of Assets today we first...

I have said this before, but I want to make sure all are aware: There is no Tax Savings when you invest in a 401K, IRA, Sep Simple, or another qualified plan.Taxes are deferred & there is no guarantee they will be less in the future when you take money out of the...

For years I wanted to be wealthy.Live wealthy.Be wealthy.Understand money. I wanted to know exactly what the big financial institutions knew about money.How it worked.What the financial institutions do with money is the exact opposite to what they teach us to do with...

Imagine for a moment that when it comes to financial planning and overall financial strategies that money was not the primary reason nor excuse as to whether you did or did not do something. This to me is Financial Freedom. Money not being the primary reason nor...

Imagine for a moment being out in a sail boat with a small sail. How fast would you be moving?How efficient would that be? It’s about efficiency.It’s also about leverage and utilization. MEC’s in a life insurance policy.A Modified Endowment Contract is a tax...

With all the uncertainty in the market today. people are wanting something other than all that market volatility. It’s important to recognize that having some uncertainty in our lives is healthy. Healthy? Yes, healthy. You see each and everyone of us have four basic...

At an early age in life, I had a strong desire to produce.7th grade to be exact. Cycletown Yamaha. This is where my love for Motorsports came into play.Imagine a 7th grader being able to ride the bikes around, work on them and just be around them daily. Haha, I loved...

Did you know the high bracket for Federal income tax in 1913 was 7%?Today it’s 37%. What about the time in between 1913 and today? That 7% high rate lasted for three years. Then it went to 15%.Then… make sure your sitting down for this next part. It then went to over...