Wealth management tools.

Building Wealth: Best In Class Tools for your Financial Evolution

Earn your success based on service to others, not at the expense of others.

~H. Jackson Brown, Jr.

Our goal for you is to help you feel confident in your financial plan, to be supported through your financial evolution, and to be motivated and empowered by your money and how you use it. Our role is to understand the financial system, interpret it for you free of hype and misinformation, and to make recommendations based on your best interests. We help you become aware of your blind-spots inherent to your nature so that you are able to pursue building wealth for the long-term, and for every phase of your financial journey we have available services and products to help you evolve. These are the nuts and bolts, our top-tier tools:

Planning Services

Estate Planning: We offer all levels of Estate Planning, from the most basic plans to attaching a trust to an estate, estate tax planning, and legacy planning.

Income Tax Planning: We help help you and your tax advisor  by bringing clarity to your necessary forms and statements as well as help you minimize your taxes through leveraging other aspects of your financial strategy.

Protection Planning: This includes prioritizing your insurance needs and finding the most appropriate plans and products for you.

Financial Position Analysis: There are times when you may need to know your exact financial position, like when applying for a mortgage, but don’t have information compiled in a way that shines the light on the best aspects. We help you create a complete financial picture which allows you to evaluate yourself before anyone else.

Investment Planning: This is more than determining what to invest in; investment planning takes into consideration how you should be invested and what to do with investment income. Your investment plan is influenced by your beliefs and value system as well as your overall financial vision.

Retirement Planning: Our goal for you is financial independence, and your plan begins with understanding how you live now, how you want to live with your money later, and your definition of financial independence. The following are the tools we have available:

  • 401K
  • 403B
  • Defined Benefit Plan
  • Roth IRA
  • SEP
  • Simple IRA
  • Traditional IRA

To help you pursue your next financial state we offer an array of financial products:

  • Annuities
  • ETF
  • Stocks & Bonds
  • 529 Plan
  • Mutual Funds

We also offer fee-based asset management.

Our Investment Strategy       About       Our Value       Our Vision & Mission

LPL Representative so not offer tax or legal services or advice. In certain situations we suggest you discuss your specific situation with a tax or legal advisor.

map to better finances

Your Evolution: Better Health & Greater Wealth

We are the facilitators of our own creative evolution. ~Bill Hicks

There are no shortcuts in evolution. ~Louis D. Brandeis

Bring on what’s next. ~Tom Shepard

Your financial evolution is the process aimed at taking you from your current financial level to financial independence and beyond. Along the way your smaller financial goals become mile-markers highlighting the journey. This holistic approach to financial management is designed to integrate with your life today, your plans for the next stage of your life, and the financial independence you envision. We have developed this process so that it can be accessed by anyone who wants to experience greater health and wealth regardless of their nature or financial level. Your financial evolution is collaborative, and we help guide and support you as much as provide a gratifying financial experience.

This is different than goal-setting and tracking.

First we help you understand your paradigm. This is imperative because it’s who you are at the core. You’ll know your strengths so that you can leverage them to reach your goals faster and easier, and you’ll know the potential pit-falls specific to your paradigm so that you can avoid or correct them. Your financial plan won’t demand you become someone else, but it will ask you to stretch beyond your comfort zone to develop second nature skills which become easier to use each time you evolve through the financial states.

Next we help you to accurately identify your financial level. Often due to habits, feelings, perceptions, or misinformation it is hard to truly know your level.

We’ll help you create a new understanding by envisioning your level on a y-axis:

Financial Levels

On the x-axis we help you see which state you’re experiencing within your current level.

States Y Axis

When put together you’ll have a map, what we call the Evolution Matrix.

Evolution Matrix

From there we’ll show you what comes next which includes small changes you can make in your daily life, changes to your financial strategy, or a simple shift in perception or intention.

For example, if you are currently investing but have not made the connection to your money as a source of positive energy, as creating more value, you are at level 5 state 4.

Sample Evol Matrix

What’s next is moving a space to the right. In this instance you’d become connected to the creative power of your money. Exactly how is determined collaboratively. Sometimes moving from one state to the next takes some time, and at other times it only takes a moment; sometimes the steps you take are fast, and a shift in perspective takes a good bit of time. We are your coach through each aspect, and we offer you the insights not always apparent to you when you’re in it yourself. Once you reach the seventh state your strategy becomes focused on moving up a level.

The Evolution Matrix is a somewhat imperfect illustration of your evolution. Our intention here is to show you that this is an ordered, logical process which will neutralize money, empower you to embrace your nature and break out of your rut so that you can live your best possible life. This process naturally eases financial stress, brings clarity to money and finance, and allows you and your spouse, partner, family members to have a common language for money as well as a common map to what’s next. Because many people are gravely disconnected from the system of money as well as their own finances, we’ve found that intentional financial evolution is the antidote to fearing the unknown and creates an opportunity to know, explore, and enjoy value, interests, and passions on an individual basis. And that isn’t in the far future, it’s right now.

Our role is to leverage our professional education, expertise, and services to help raise you to a higher financial level. In other words, you don’t do this alone. You can be confident when working with a team that values customizing and personalizing your financial strategy to your nature, your level, and your state so that you can live out your dreams. This is our passion.

Here’s to your evolution.

What’s next for you? Talk to us about how we can help you evolve with your money.

General Disclosure Long

Navigating Financial States: the path to greater wealth.

Everything has its wonders… and I learn, whatever state I may be in, therein to be content.  ~Helen Keller

Within each financial level are seven possible states, and to get to your next level you must evolve through each state. It’s a very natural process, and because there are only seven specific states, the whole of financial evolution becomes easier, more organic. Each state has value as part of this natural progression, and we encourage you to find the value in each state even when your experiences feel less than natural; if your nature doesn’t match the state you’re in you will likely feel some discomfort. There is no need to worry because this means you are indeed evolving. Sometimes moving from one state to another takes some effort, other times it’s as simple as a shift in perspective. Here are the seven states in order:

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Insufficient: here you lack the resources you need to thrive. It is a reactive state which can seem chaotic and cause you to become reactive yourself, even if it is not your nature. When you are experiencing this state acceptance is crucial as it is the undeniable start of something new. This state is also very motivating: you see that you don’t have what you need to evolve, so your focus becomes finding your right pathway to the next state. To begin, write down everything that’s swirling around in your head and set it aside.

 

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In this state, Sufficient, you have what you need but not always when the need arises. It’s like being on a roller-coaster, and can be exhilarating or exhausting… or both. This state is also characterized by feeling and spending. It’s important to remember that you may experience your emotions without being controlled by them, and spending on things that bring you more value is not anything to feel badly about, in fact doing so will help you make your way to the next state.

 

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Being in the Efficient state means getting off the roller-coaster and smoothing out your resources and expenses so they become aligned. In this state your money is so well allocated there is no margin, and the task at hand is work. Here you must work toward a surplus and avoid getting stuck, despite our cultural idealization of this state, so you can move into the following state.

 

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This state, Proficient, you are inclined to save or reserve your surplus resources. You have not quite become connected to their power as sources of positive energy for your life which can and will multiply and magnify. Saving your money can seem like the most important financial task, and it may be tempting to remain in this state. Doing so will cause your evolution to stagnate leading to missed opportunities. When you have connected to your money fully and saved what is appropriate to save, you are ready to move on to the next state.

 

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This is the Productive state, where you begin to create more of what you want so you can enjoy it. The decrease in energy put into reacting, feeling, working, and saving give you more energy, time and money to invest in your passions. You are nicely connected to your resources now, and your resources are energizing, positively reinforcing your direction and intention. Though you experience more joy in this phase, there is always something next.

 

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In the Deductive state your resources make your life easier. You are able to use the results of your investments to free yourself from stress and burden. This state is about letting go of what weighs you down or complicates your life so you can focus on raising yourself higher, and by collaborating with others you can raise each other even higher. In some instances this state may include using unearned income to ease your expenses, leveraging your resources to reduce your expenses, or pursuing innovations.

 

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The Inductive state is like being inducted into a new life: you have reached the last state of evolving to a higher level. This is where you form a new vision for yourself, of what is coming next, and you are able to lead others through the same situations and experiences you’ve had up until now. This is a time of gratitude, giving to others, and helping to make the world a better place in some way that is meaningful to you. It’s also a time of  celebration and rest because a new adventure is waiting for you just over the next hill. You will reach a new level where you’ll have to move through these seven states again.

 

Your Evolution       Your Financial Advisor

The opinions voiced in this material is for general information only.

They do not necessarily reflect the views of LPL Financial.

Are you where you want to be financially?

It takes someone with a vision of the possibilities to attain new levels of experience. Someone with the courage to live his dreams. ~Les Brown

Your nature is not a choice, but your financial level is. No matter how you came to experience your current financial situation, it is something you can change. Like the our survey, there is a tool to find your financial level: eMoney, available to all our clients. For now simply review the seven levels below and note which is most like your life today and which is the scenario you want.

state 1
1: Your expenses are greater than your income, and you may be getting deeper into debt.
state 2
2: Your income may be enough to cover expenses but it’s not always there when you need it.
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3: Your income covers your expenses and nothing more, leaving you with no margin.
state 4
4: Your income covers expenses with some surplus left over which is saved.
state 5
5: Part of your income is invested with the goal of giving you a second income.
state 6
6: Your second income reduces expenses and makes your life easier.
state 7
7: Your second income covers expenses, and you no longer need to work: financial independence.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

There is a process to go from your current financial reality to financial independence and meet each smaller financial goal along the way:

Evolution     Your Paradigm     Your Level     Your State     Your Evolution     Our Services

Disclosures Short

 

Photo by choko

 

 

 

 

 

The 7 Human Natures: Greatness or Bondage

Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it. ~Bruce Lee

From the moment you were born your nature was set. In our business we see this through the lens of finance and how people relate to money. There are only seven human natures, seven natural relationships with money. No one is better than another though each has its own positive and negative aspects. The positive side of your nature will propel you further in your evolution; it is your superpower. The negative side can keep you stuck and cause problems that repeat.

To find your nature we have created a seven question survey that you may take here. Below is a brief description of the seven natures.

Note: these concepts are still evolving, and we’ve recently changed some of the names of the natures to better describe them in financial terms.

TSicons-1 jpgThe first nature is the Taker. This isn’t bad. It just means that people with this nature can sense when what they need is around them and take it. They take that hail-mary shot, they take charge, take a chance, and they can also take money and other resources because they find value in money when they get it. These folks are characterized by a highly reactive, instinctive nature. Often they are survivors, fighters, able to weather the storm, but they aren’t getting or perceive they aren’t getting enough of what they need to thrive,  especially money. [Read more.] (Note: this nature was previously called the Reactor.)

 

TSicons-2 jpg 02The second nature is the Spender. Spenders find value in money when they spend it. They are characterized by emotional and financial, ups and downs. When they’re up they’re engaged, excited, and able to be their best selves, but when they’re down they can become immobilized. They may have the resources they need but not always when they need them- often because they spend on what they want first. Because Spenders are emotional beings, they tend to make buying decisions based on how their spending makes them feel. [Read more.] (Note: this nature was previously called the Feeler.)

 

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The Earner finds value in money when it’s earned and promptly allocated to expenses. In fact, they allocate so well there is often nothing left to save. This nature is characterized by hard work, effort, and striving. Earners don’t mind getting it done, no matter what “it” is, but they are prone to burn-out and often turn even the smallest things into large tasks. Earners often feel burdened by their responsibilities, including their finances, because they work so hard at everything.  [Read more.] (Note: this nature was previously called the Worker.)

 

TSicons-4 jpg The Saver, the fourth paradigm, finds money most valuable in savings, and they may even try to save things, animals, and other people. Though saving is appropriate at times, it can go to extremes leaving the Saver isolated and disconnected from their money. Saving more than is reasonable causes the Saver to become a hoarder and miss opportunities to pursue building wealth and increasing their capacity to save. [Read more.]

 

TSicons-5 jpg The Investor naturally seeks ways to create more value. They are typically very productive and like to enjoy their resources. Money is often a source of energy for Investors, as is exercise and interactions with others, however the Investor can become addicted to the thrill of the next big win, crossing the line and becoming a speculator. [Read more.]

 

TSicons-6 jpg The Lever prefers life to be easy. Those within the sixth paradigm tend to use their resources to make life easier and appreciate assembling and being part of a strong team. They seek collaboration where the strengths of the individuals are leveraged for greater results. On the negative side, Levers can become opportunistic and exploit others to raise themselves higher rather than collaborating to raise everyone higher. [Read more.]

 

TSicons-7 The seventh paradigm is the Giver. These folks are highly intuitive and love sharing their resources with others. They are leaders and visionaries, but when stalled in their own evolution they can become martyrs, giving away so much they have nothing for themselves. Though Givers naturally understand flow, they can become so focused on giving they can’t see when they may need to change direction. [Read more.]

 

Watch our video! Iconic superheroes and the seven paradigms: there really are no coincidences.

 

Your Financial Level     Your Financial State      Your Evolution

Saving & the Savior: the Fourth Paradigm

supermanAre we talking about you here? Do you save stuff? Do you collect things? Save animals or other people? Do you linger in unhealthy situations because you are concerned others will fall apart without you? Are you inclined to conserve your resources like time & energy? Do you accumulate things? Are you living below your means in order to save your money? Are you saving your money in things like savings accounts or CD’s? Does your savings make you feel safe, secure, and prepared?

You were born with one of 7 ways of relating to the world, and if this describes you then this may be your paradigm: the Saver. There is a positive side and a negative side, just like all the other paradigms. On the positive side, you have the ability to build a cushion through saving your money.  You are generally prepared for any eventuality and often frugal. You are able to create safety, security, and predictability. When you successfully save others- people, animals, the environment- you do a lot of good. You waste very little.

A stuck & dysfunctional Saver has an unhealthy attachment to money, people, and stuff. Unchecked saving can become hoarding and saving others can become about control. You can be greedy, taking the biggest serving at the table if you can’t have the whole thing. You can sometimes be cheap or withholding. The money you save is likely just sitting in an account or a hole in the backyard, doing nothing rather than generating more money. You may have found yourself staying in an unhealthy job situation out of fear of missing the opportunity to save more money only to have to save yourself when it gets too bad to continue! You get the idea.

Being a healthy Saver means knowing how to balance your need to save with your need to evolve. This is a paradigm that is held up as an example to which most people are told to aspire: saving your money will save you in your later years. And saving is good to a certain extent. If you get stuck in your paradigm you are actually  limiting your capacity to save: your money can’t create greater value for you in the future. It may be hard for a Saver to know when they are stuck because a big aspect of this paradigm is comfort. However, it is a good practice to ask yourself these questions:

  • Is saving what & as much as I do propelling me forward or keeping me in one place?
  • How are my finances? Could that part of my life be better? What would that look like?
  • How are my relationships? Could that part of my life be better? What would that look like?
  • How am I experiencing my time? Could that part of my life be better? What would that look like?
  • How is my health? My nutrition? My fitness? Could that part of my life be better? What would that look like?

It is very likely that if any part of your life isn’t what you’d like it to be and you’ve experienced the same things over and over again, you’re stuck. The stress & detachment of being stuck isn’t necessary, it’s not “the way it is.” You can evolve into your higher self, the version of you who uses your strengths to live the life you want rather than teetering on the line between saving & hoarding.

The first step is to really know yourself. Take our paradigm survey to find your nature and reach out to us with your questions. Or come to our workshop on March 28; details here.

You can evolve.

Know yourself. Know what you want. Find the right coach. Evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

Thank you artists, writers, and creators for creating the superhero that enrich our lives. You are so right-on, more than you know, and you are our heroes.

 

 

5 Reasons Financial Gurus Fail

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Why is the personal finance genre so lucrative? Why do finance gurus get their own TV shows? Too much of the time their advice is utter garbage. Here’s why you might want to throw out what doesn’t work:

5. Financial “experts” want you to see what’s important to them and implement solutions their way. Dave Ramsey: all debt is bad. (It’s not.)

4. Every guru has his/her own perspective, and their advice is relevant to that perspective. If you’ve been reading what we’ve been saying you’ll know that we believe we all have one of 7 natural financial paradigms, and the recipe for success for one probably won’t work for all. One size does not fit all. (Find your paradigm here.)

3. Financial authors may try to scare you into taking the action they think is right or treat you like an idiot. With titles that include words like “apocalypse” and “for dummies” it’s no wonder most people feel alienated from participating fully in their own financial lives.

2. Their “easy” tips and steps toward financial success aren’t easy at all. Have you seen the contents of Tony Robbins’ new book? No. Not easy at all.

1. Sometimes financial gurus prevent people from getting to where they want to go. Maybe they don’t mean to, but canned advice is rarely implemented well and keeps the market for financial self-help ready to spend more on more advice!

If you follow their wisdom to the letter and it doesn’t work, do you blame yourself? Or do you recognize the fact that the guru didn’t create their system for anyone but themselves or whatever group they’re endorsing? Have you noticed that following canned financial recipes often require you act contrary to your nature? Who wants to live like that? It’s like trying to stick so some insane diet!

Our solution: To redefine financial truth so you can actually understand it and use it easily and well. Our goal is for do your next thing, experience your next level, and live a wealth-based life without changing who you are. We can help you enjoy your money.

Know yourself. Know what you want. Find the right coach. Evolve with your money.

 

Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advise or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

No strategy or process assures success or guarantees against losses.