4 Sequential Steps:
Step 1 Optimize What You Have
Most people have an investment smorgasbord, an “investment de jur,” a cacophony of investments and strategies that generally are inefficient and potentially conflicting. To optimize what you have is to simplify and organize your investments into one cohesive and manageable strategy, one system to ensure that all your assets are all working together to do all they can for you.
Below you will find a list of articles, videos, and audio podcasts. They are listed in chronological order. Use the search box on the top of this page to find information on specific topics.
OnPointe Risk Analyzer-Make Better, Smarter, Safer Choices and Financial Decision With Your Investments
I've incorporated a new tool that I would like you to try called OnPointe Risk Analyzer. The essence of the program is to evaluate your overall level of acceptable investment risk. Below is a link to take the assessment (It will take less than 5 minutes to...read more
The Cash Balance Plan is a retirement plan designed to primarily benefit older and/or highly compensated business owners and highly valued employees. Unlike a traditional 401k or IRA plans that limit one's tax-deferred contributions to relatively small amounts, the...read more
Our unique and proprietary financial planning system, The 4x4 Financial Independence Plan sm is comprised of 4 essential elements and 4 sequential steps as follows: The 4 Essential Elements The 4 Sequential Steps The focus of this posted is on Step #2 of this process,...read more
Establishing significant liquid cash reserves is the 3rd step of the 4x4 Financial Plan and, frankly, it could easily have been the 1st step as it is so critical to the success of your Financial Independence. Why? We need cash reserves for two reasons: When Things...read more
Certificates of deposit (CDs) are intended for the ultra-conservative investor. Why are they appealing to so many? They are touted as the “safe” investment option with essentially no risk as they are not tied to the stock market. However, how “safe” are they really...read more