Chances are you've hit a point in your life where your interest in investing has been triggered....we all have different paths but below are some general guidelines to cross.  You can work with us at any point in your journey.

 

Step 1 : Save $2000 Cash

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In this first step, your goal is to simply save $2,000 as fast as you can. Your emergency fund will cover those unexpected life events you can't plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!

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 Step 2: Pay Off All Consumer Debt
(Except the Mortgage) Using the Debt Snowball or Debt Avalanche Methods

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Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put them in order by balance from smallest to largest—regardless of interest rate. Pay minimum payments on everything but the little one. Attack that one with a vengeance. Once it's gone, take that payment and put it toward the second-smallest debt, making minimum payments on the rest. That's what's called the debt snowball method, and you’ll use it to knock out your debts one by one.  The reverse of this would be the avalanche method. 

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Step 4: Save 3–6 Months
of Expenses in a Fully Funded
Emergency Fund

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You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3–6 months of your expenses. This will protect you against life’s bigger surprises, like the loss of a job or your car breaking down, without slipping back into debt.....typically this amount is $5,000 to $25,000 but everyones scenario could be slightly different. Typically you'd want to have 6 months of your mortgage payment or rent in cash, just in case. 

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Step 4: Invest at least 20% of Your Household Income

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Take 20% of your gross household income and start investing it into your retirement. Start with your company’s 401(k) plan and receive the full employer match then invest the rest into Roth IRA for the max, followed by an HSA if eligible to the max, then a Brokerage Account at any amount, and back to maxing out your company 401k.  If you are higher income and/or live in a high tax state, you may want to focus more on maxing out a traditional 401k first, followed by an HSA and so on.

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Step 5: Save for Your Children Or Estate

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By this step, you’ve paid off all debts (except the house) and started saving for retirement for yourselves. Next, it’s time to save for your children’s future....this can be in the form of a 529 college savings plans or a Custodial Brokerage Account.  If you're certain they're going to college then a 529 is up you alley.....but if you want flexibility for them then a custodial might be what you prefer. 

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Step 6: Scale Your Real Estate Holdings 

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Now, bring it all home for your net worth and start to incorporate in some hard real estate assets. We like this because it could provide you with additional retirement income on top of your portfolios above, social security, & any monthly pension payouts you've accrued.  Also, your beneficiaries can receive these holdings with a stepped up basis and a huge step up in life for themselves overall.

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Step 7: Build Wealth and Leave A Legacy

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Step 7 is the big dog! Your mortgage is the only thing between you and complete freedom from debt. Can you imagine your life with no house payment? Any extra money you can put toward your mortgage could save you tens (or even hundreds) of thousands in interest. You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else! Keep building wealth and become insanely generous. Leave an inheritance for your kids and their kids or your alma mater, your best friends, etc. Now, that’s what we call leaving a legacy!

As clients of ours you can expect the following from us:

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• We are big fans of YOU - we believe in a goal of time freedom.  We believe in living like no one else so that later you can live (and give) like no one else because you'll have your time back. 

• Our goal is to always do what is right for the client.  We know that by doing right for you we can and will grow our business through fans.

• We will display the heart of a teacher & strive to be constant educators.  Check out our content!

• We have no firm minimums because we believe that getting a strong start is so important we don't exclude people because of their account sizes.  While many advisors will turn smaller prospects away - we are committed to helping those who need and value professional advise and guidance.

• In all of our client interactions you can expect transparency with no hidden agendas.  We offer a refreshingly simple & easy to understand fee structure that's disclosed in our first session together. If you own a small business and want to empower your staff with a retirement plan, we can help!​