As our society rapidly changes, the old rules for financial security are not working today. For example, millions of future retirees face a potential crisis some have called “the perfect storm”. Some of the challenges are:
Living longer High taxes
Unexpected early retirement High health care costs
Inflation Reduced government and employer benefits
Not enough savings Unsustainable withdrawal rates
Not enough growth of savings Excessive market volatility
Foresight and strategic planning is the key to overcoming these challenges and experiencing greater financial satisfaction in the future. The Financial Freedom Experience is a series of conversations and activities designed to help you experience financial breakthroughs that deliver greater simplicity, achievement, freedom, and confidence. The Financial Freedom Experience begins right where you are today and takes you step by step through the different stages of financial freedom. These steps represent breakthroughs that propel you to higher levels of financial understanding and well-being. Gaining a new perspective brings greater clarity, which opens the door for greater opportunities and accomplishments. This in turn, builds greater confidence to achieve your next goal.
The Financial Freedom Experience is customized for each person/family. Each person/family has different values, goals, problems, opportunities, and strengths. The Financial Freedom Experience consists of eight solutions. Each solution has its own process of conversations and activities. For most people, the experience involves at least four, if not all eight, of these solutions. 
Dream Maker. I walk you through a process to prioritize and harmonize your life goals with eight common financial objectives. This is important because disorganized finances can delay or prevent you from experiencing your life goals. Dream Maker helps you clarify your values, visualize your future, establish your priorities, and pinpoint your goals.
Peace Maker. I guide you and your spouse/family through a series of conversations designed to help you relate to money in a way that empowers your family relationships. This is important because the number one cause of marital problems is finances. Attitudes toward money can also create stress between parents and children, siblings, in-laws, and cousins. Instead of money being a source of tension and conflict, Peace Maker puts money in perspective in a way that helps families live a life of purpose, harmony, and joy. 
Financial Freedom Roadmap. I help you focus on ultimate financial freedom and the ten milestones along the path. Ultimate financial freedom is being able to enjoy a nice lifestyle without having to work for income and without being a burden to others. You will learn the financial freedom equation and how to determine your financial freedom number. This is needed because many people have never thought about what ultimate financial freedom is, and the different ways it can be achieved. Your personalized Financial Freedom Roadmap shows you where you are now, gets you excited about your future, and points you to the next step. 
Investment Optimizer. I help you choose and maintain the specific mix of investments that can best deliver the results you need, using a disciplined, research-driven approach. I use seven time-tested principles that stack the odds in your favor and helps you sleep well at night. This is needed because the wrong investments and investment behavior can jeopardize your life goals (settling for low returns that can’t outpace inflation, taking too much risk, under-diversifying, paying too much in taxes, reacting to short-term market movements, chasing returns, mismatching assets in the wrong type of accounts, etc.). Optimizing your investments is vital to optimizing your future success. For more details, see Investment Philosophy.
Retirement Income for Life. I help you structure your investments to provide an inflation-adjusted income for your entire life. This is needed in retirement because the wrong income distribution strategy may not meet critical goals such as reliable income for your entire life, growth to combat inflation, assets available for emergencies, and protection from excessive market fluctuations. Retirement Income for Life gives you the confidence to live off your nest-egg without running out of money or cheating yourself out of a more enjoyable lifestyle. 
Tax Controller. I help you reduce your taxes in retirement by controlling your taxable withdrawals using tax-free assets as a supplement. Early planning using systematic tax-free contributions and conversions is the key. This is important because if you are like most people, most of your savings are in taxable or tax-deferred accounts. In retirement, this will limit your income choices and could significantly increase your tax bracket and Social Security tax rate. The Tax Controller strategy helps you build a tax-free nest-egg for greater tax control in the future. 
Family Fortune Builder. I help you multiply the long-term value of your retirement plan assets your heirs can enjoy for multiple generations. This is needed because lack of careful planning can result in inherited retirement plan assets (401ks, 403bs, IRAs, etc.) being heavily taxed upon your death, ending the tax deferred growth of those assets prematurely, squandering what could have been a fortune for your heirs. Lack of careful planning by parents and grandparents can similarly limit the wealth opportunities of the inherited assets you receive. Family Fortune Builder will help you maximize your legacy. 
Bridge Builder. I help you create a succession plan to ensure that your heir(s), particularly those who are not financially savvy, are equipped to handle the finances wisely when you pass. This is needed because, too often, spouses and children experience unnecessary hardships due to a lack of guidance when the financial leader is no longer there. Bridge Builder helps you think ahead and create a smooth transition for your family’s future financial security.