Intentional Wealth Planning

The best time to invest was yesterday—the next best time is today. Thanks to compound growth, $100K invested at 7% today could grow to nearly $400K in 20 years. Wait just five years, and you could lose six figures in potential gains. Time is your greatest asset—use it wisely! ??? But growth isn’t enough—you also need protection. Diversifying your portfolio helps weather market uncertainty. Are your investments aligned with your goals? Small tweaks now can prevent big problems later. ???? Finally, don’t ignore debt. High earners can optimize wealth by refinancing, prioritizing high-interest payments, and leveraging “good” debt. Smart debt management isn’t just about paying less—it’s about maximizing financial flexibility. ???? A strong financial plan balances growth, protection, and efficiency. Are you set up for success in 2025? Let’s talk. ??

I'm going to get crushed on this post...... I used to believe in permanent life insurance. But now, in most cases, I do NOT. The industry promotes its benefits: ? You can borrow against the cash value without triggering capital gains or taxes. (I can achieve the same with a securities-backed line of credit—often with better arbitrage opportunities.) ? It’s a form of forced savings. (I establish structured investment plans for my clients that provide flexibility and control.) ? You should have 1–3 years in cash equivalents at retirement. (I agree with this principle, but I use more efficient strategies to achieve it.) I know saving requires discipline but if you must be forced to save, that’s not a promising financial strategy. And the reality is, many of these policies are sold by big insurance companies and agents who push life insurance into every so-called “financial plan.” Yes, there are legitimate uses for permanent life insurance in business and estate planning. But for the upper middle class, lower upper class, and especially the middle class, it’s often unnecessary. There are more efficient ways to grow and protect wealth. As a CFP?, I have a responsibility to get the word out. Being a true fiduciary does not mean promoting permanent life insurance. Years ago, I dropped my life insurance license and no longer offer it but recommend term when life insurance is needed, typically term because I believe in large-term policies for families and businesses who need liquidity if something happens. The key to proper planning isn’t tying up money in expensive policies. It’s ensuring clients have one to two years of investment income in safe, cash-like investments, having flexibility, VISION and written financial plan. As an industry, we must push back against the narrative that every financial plan needs permanent life insurance. Because real financial planning is about what’s best for the CLIENT—not what pays the highest commission. #FinancialPlanning #WealthManagement #LifeInsurance #Fiduciary #Investing

True financial planning isn’t just about numbers—it’s about people. It’s about understanding goals, values, and the vision each client has for their future. The best financial plans aren’t just built on spreadsheets; they’re built on trust, thoughtful conversations, and a commitment to long-term success. We’re grateful for the relationships we’ve built and the trust our clients place in us every day. Helping families make intentional decisions that create lasting legacies is what drives us. ?? What does a meaningful financial legacy look like to you? #IntentionalWealthPlanning #LegacyPlanning #WealthWithPurpose

Anyone? ?? Sometimes, the hardest thing to recognize is when we're stuck in a cycle, expecting change without making any. This drawing is a simple reminder that progress requires action—doing the same thing over and over won’t lead to different results.

"Index Funds Are Overhyped up to 40% of the Time? ?? Hear me out….." While they’re often praised for simplicity and low cost, the reality is that almost 40% of retail investors own index funds. That means up to 40% of the investors are not immune to the emotional traps of investing like panic selling during downturns AND/OR chasing performance during rallies (most recently investments like Bitcoin and FNMA) often result in returns far below what the funds themselves deliver. A big proponent of stock market success is being disciplined and managing your emotions. According to DALBAR study showed the avg 65% equity investor underperformed the benchmark (65% S&P 500 and AGG bond index) by almost 3%. ?? The market isn’t driven by pure logic—it’s made up of irrational investors making irrational decisions based on limited information. Here’s the truth: long term investing success isn’t just about picking the right funds; it’s about managing behavior and having a strategy and being disciplined and sticking to it or hiring someone that will for you. You can’t time the stock market, real estate market, or interest rate market—so stop trying.??. Prove me wrong. A disciplined, long-term strategy, combined with guidance to navigate the emotional side of investing, is the real key to building lasting wealth (in stock market).

?? Navigating uncertainty is part of the journey. Markets shift, tax laws evolve, and economic trends continue to change—but one thing remains constant: the need for a proactive strategy. The most successful investors and planners don’t react to headlines; they stay ahead with a long-term vision. As we move through 2025 what’s your biggest financial focus? Are you refining your investment strategy, optimizing for taxes, or preparing for a major life transition? Let’s talk about the steps that keep you on track. #WealthPlanning #FinancialFreedom #StrategicGrowth

?? Happy Birthday, Lynsey! ?? Wishing our incredible Director of Operations, Lynsey, a birthday filled with joy, success, and abundance! Your leadership, dedication, and attention to detail keep everything running seamlessly, and we’re so grateful for all that you do. May this year bring you continued growth, new opportunities, and everything you deserve—both personally and professionally. Cheers to another year of making an impact! ???? #HappyBirthday #Leadership #Success #Gratitude

As February winds down, now is the perfect time to take a step back and assess your financial goals. ? Have you made progress, or is it time to pivot? ?? Small adjustments now can set you up for big wins in Q2! ?? Take a close look at your investments ??, cash flow ??, and debt management strategies to ensure everything is working toward your bigger picture. Setting clear, measurable targets keeps you on track and motivated. Let’s fine-tune your plan and make Q2 your strongest yet! ?? Drop a comment or DM me to start the conversation. #FinancialSuccess #WealthPlanning #Q2Goals

Can’t believe I could count this high….. but I can ??. New mistakes are okay......Old mistakes are not. I had two advisors I used to work with tell me I wasn’t going to make it in this business. I just had lunch with one of them last week and told him— "thanks again." ??

Financial alignment is key to a successful partnership. Couples who work together on their financial goals often build wealth faster and with less stress. Start by having honest conversations about spending, saving, and investing. Set joint goals, like buying a home or funding retirement, and create a plan to achieve them. Consider reviewing or creating an estate plan to protect both partners. Collaboration fosters trust and ensures you’re building a future that aligns with your shared vision. Let’s discuss how to create a financial plan that strengthens your partnership.