Pursue the work optional lifestyle
Discover the financial planning approach we use to help high net worth clients pursue wealth efficiency.
Learn the systems we use to help high net worth clients pursue wealth efficiency
If you’re like many of the families who become our clients, there's a chance that:
These are serious problems that we see all the time, but they are actually just symptoms of the real problem...
Three Tiers of Investor
We believe the real problem starts with the notion that relatively minor portfolio allocation changes are all that separates investors of different levels of wealth and different mindsets.
The status quo of the financial industry seems to think that there are only really two types of investors:
- Regular, everyday people
- Ultra wealthy families and institutions
We believe this is an oversimplification.
In our opinion there are three tiers of everyday investor each separated in their needs and strategies by a primary (most important) and secondary (less important) factor: Mindset and Means.
*We have tailored specific programs for each of the three tiers. Please use the descriptions below to find your "right fit" program.
Tier 1 Investors
- Mindset:
- Primary Pursuit: Sufficiency
- "I want to make sure I don't run out"
- Overriding emotion = Fear
- Means (these are generalities and subordinated to Mindset):
- Less than $1M of Net Worth (excluding primary residence)
Tier 2 Investors
- Mindset:
- Primary Pursuit: Efficiency
- "I want to make sure I'm not missing out"
- Overriding emotion = Frustration
- Means (these are generalities and subordinated to Mindset):
- $1M of Net Worth - $10M of Net Worth
Tier 3 Investors
- Mindset:
- Primary Pursuit: Legacy
- "I want to transform my family tree"
- Overriding emotion = Aspiration
- Means (these are generalities and subordinated to Mindset):
- $10M of Net Worth - $100M of Net Worth
Tier One Approach Limitations
We see Tier 1 service show up in a couple different ways in the marketplace.
One approach is what some call a “fee-only” advisor where the ONLY strategies involve stock and bond portfolios--like an ice cube tray with many squares--that may be occasionally tilted or “rebalanced” into some different squares…but it's all still stocks and bonds.
Lately we have seen another approach as well.
Many Tier 1 advisors are realizing that Tier 2 clients need more than what the "ice cube tray" approach can offer. As such, more and more Tier 1 advisors are beginning to dabble with watered down versions of more sophisticated strategies in attempt to make themselves appear more marketable to wealthier clients.
If you’re an investor with more than $1M and your portfolio looks like one of the two I just mentioned, this is where some difficulties can occur.
The Tier Two Mindset Shift
If you're a Tier 2 investor, you have access to--and likely have a need for--strategies that just aren't available at the Tier 1 level.
It's equally important to work with a team who not only has access to those strategies, but also has experience with implementing them with their client families.
*Please note: Due to compounding and time, over the course of a family's relationship with us, it is possible for a family to grow from Tier 2 into Tier 3.
No Man's Land
There are many Tier 2 investors who are still working with a Tier 1 stock broker, advisor, or no advisor at all.
What this really means is that many Tier 2 investors are playing a completely different game, but are still limited to using strategies geared towards solving the Sufficiency problem.
In our experience, this can be extremely limiting at best, and at worst can actually be destructive to your goals.
Unfortunately the level of specialized work and coordination between high-level strategists across multiple disciplines largely represented by Family Offices may be out of reach.
That can leave Tier 2 investors in a strange no-man’s land where they need more than Tier 1 service can provide, but they can’t quite access the level of service they need from these Family Office style firms.
These are the problems we love to solve and the clients we love to serve!
Our financial planning process follows three distinct steps:
Purpose.
Our purpose is to help you to live your Purpose.
Effective financial planning always starts here. It’s hard to plan a trip if you don’t know where you’re going.
Once we have a clear picture of your retirement Purpose, then we can move on to the next step.
Planning.
We have tailored our robust financial planning process toward helping to solve the wealth Efficiency problems often faced by Tier 2 investors and making the Family Office style of service and advice available to you.
Portfolio.®
Once we have completed the Planning in support of your Purpose, a portfolio of potential financial strategies and recommendations naturally reveals itself.
At this point in the process, it’s time to get your accounts allocated so they can begin doing their important work toward helping you to live your Purpose.
Finally, after allocation and integration of your portfolio solutions, we will begin our schedule of regular strategy reviews to make sure you stay on track and ahead of any bumps in the road.
If you get this process out of order, you can end up with a financial junk drawer of stocks, bonds, mutual funds, and other stuff that really doesn’t support your Purpose. We believe so strongly in our trademarked planning framework that it has become the backbone of our problem-solving process across all of our programs.
We tailored this process specifically for Tier 2 investors seeking to solve these wealth efficiency and access problems one and for all by creating...
We’re here to help shape the world for generations.
Our mission is to help as many Americans as possible to get their financial planning right and to live fulfilling and enjoyable retirements while providing the foundation for future generations to do the same.
Pursue wealth efficiency with our 8 part financial planning system
Part 1
1
Liquidity
Liquidity can be an "achilles heel" causing you to make untimely decisions due to unforeseen emergencies or opportunities.
Seek to prioritize liquidity in order to pursue sufficient liquidity for emergencies, so you can buy what you need when you need it while optimizing liquidity for opportunities to take advantage of arbitrage events when they occur.
Part 2
2
Income
While living the work-optional life, it becomes more important than ever for you to generate your own paychecks.
Strive for both protected and portfolio income sources designed to give you options to elect tax-conscious income when you need it.
Part 3
3
Investments
Leave behind outdated and limited portfolio construction in the pursuit of personalized investments designed to pursue market growth when it happens while also seeking income, historically low correlation with stock market volatility, & potential tax efficiencies, all anchored by strategies designed to provide a base of protection.
Part 4
4
Taxes
Taxes aren't an afterthought. They are interwoven with nearly every other financial planning decision and category.
Pursue tax-wise strategies designed to use tax law as your guide to tax efficiency.
Part 5
5
Healthcare
Healthcare expenses are some of the largest unforeseen wealth-eroding expenses throughout your work optional years. They can also be one of the largest sources of contention for your heirs.
Seek to protect and preserve your wealth with targeted strategies designed to prepare for the unforeseen.
Part 6
6
Legacy
Lack of clarity in the areas of liquidity and estate issues can drive wedges into otherwise closely knit families.
Seek to ensure that whatever you may leave behind is structured intentionally to be a blessing and not a curse.
While parts 7 & 8 don't necessarily apply to everyone, we have found that a significant percentage of the families who find a fit with this program have need for coordination of at least one of the following with their overall financial ecosystem:
Part 7
7
Investment Real Estate
Real estate investors often treat their investments as separate from the rest of their finances. This mindset can lead to limited options and constrained decision-making.
Pursue strategic efficiency with all of your integrated wealth through careful evaluation of and recommendations for your investment real estate through our proprietary framework.
Part 8
8
Business Ownership & Exit
Like real estate, many business owners fail to integrate their businesses into their overall wealth planning. It's important to compartmentalize and make good business decisions inside of the business itself, and it can be equally important to weigh and integrate the effects those decisions have on you personally as the business owner.
Seek your optimal multiple and cashflows with minimal tax consequences so your business can continue to work hard for you even if you were to exit.
The status quo for financial advice seems to be a relatively disengaged “advisor” who may meet with you once a year to touch base on surface-level life events and to “rebalance” your portfolio of stocks, bonds, and mutual funds. Any advice seems to come in the form of urging you to “trust the market” since “it always goes up over the long-term” and “you can’t really beat the market anyway.” Meanwhile your portfolio has the same pie chart of stocks, bonds, and mutual funds as every other client at the firm.
Does any of this sound familiar?
If so, you’re in the right place. We believe that this status quo of financial advice has failed and underserved America’s mass affluent population for far too long. The rules of the game that may have helped you to build wealth throughout your career aren’t necessarily the same rules you need to provide your own income while keeping your portfolio growing for future generations.
Getting your financial planning right can help to empower you to spend your time in ways that are enjoyable and fulfilling--living your Purpose. Getting this wrong can mean a missed opportunity, worry, and apprehension about the next market correction.
Some members of our team having fun after one of our high-net-worth training events.
Our mission is to help as many Americans as possible to get their financial planning right, so they can live their Purpose and make lasting impact for generations to come.
Who Are We?
Meet our team of financial planning professionals.
