We don't believe in financial planning the way it is being sold to the American public. It is not a science, if it were; no one would have lost money. Like most advisors, we seek to help our clients grow their Wealth in a safe, predictable way but life happens. And most Americans transfer more money away unknowingly and unnecessarily than they will ever save in a lifetime. There's MAJOR Transfers everywhere from how we pay for our homes, retirement, college, unnecessary tax losses and healthcare surcharges. But unlike most advisors, We FIRST teach our clients on how to be MORE EFFICIENT with their money so they can truly have enjoy life's journey while meeting all their personal goals and legacy planning.