The Financial Freedom Process™

The investment to participate in The Financial Freedom Process is based on 1) The total of Annual Income (i.e. – from a job, business, pensions, Social Security, and/or trusts) and 2) Your total Assets Value (such as the value of your businesses (if applicable), real estate holdings, retirement account balances, brokerage accounts, collectibles, etc.)

If you generate passive income from your investments and/or retirement account balances, the lesser of that income or the value of the asset is considered.

The amount is determined by taking 0.25% of your assets and 0.5% of your income. So, someone with $100,000 of income and $1,000,000 in assets should expect to invest $3,000.

($100,000 income x 0.5% = $500) + ($1,000,000 assets x 0.25% = $2,500) = $3,000.

The minimum fee to participate is $4,995. The Maximum Fee is $50,000 for the most complicated situations. 

To start the process only the initial deposit of $500.00 is required after the first meeting and the final cost of the system will be determined and agreed upon after all assets and incomes are disclosed.4,9

There are (2) Answers to this:

Generally speaking, the initial design it will take between 3 and 5 meetings to complete the system. Typical meetings are 90 minutes although some can be longer or shorter depending on the conversation we are having. Most of the work developing the plan is done behind the scenes when you are not there. My team spends an average of 22 hours organizing and developing our recommendations based on the input you provide.

The cool thing is that we perform most of our meetings ONLINE so that you do not have to travel to my office. You, and if you are married, your spouse and anyone else who should be part of the conversation can log into our online meeting room allowing you to participate from just about anywhere which saves you hours of travel time and expense.

This is a process and is therefore ongoing. We should meet at least yearly though many clients like to meet more frequently to make sure they are on course. For these meetings, I charge an hourly fee that can be between $400 and $200 an hour.

The Financial Freedom Process requires you (and your other advisors) and our team to work together and co-create a financial strategy that will help your financial life become more efficient and coordinated. In doing so, you will feel confident and will be successful building and maintaining your wealth while living free and doing more of what you want to do – when you want to do it!

If during the first 4 months of our working together you feel the process isn’t helping you towards that result and want to stop the process, any money you have paid to that point will be refunded and any remaining balance will not be invoiced!

Please understand, I became a financial planner in 2003 after I experienced what it is like to lose everything. I know how my knowledge, perspective and experience can help a lot of people but I also realize there are situations where I can’t help, so I’d rather return the money and help them find an advisor who can help them.

I do this so you understand there is no risk to get started.

Yes, Not showing up to the appointed time and not calling more than 2 times and I reserve the right to retain the fee. 

The Financial Freedom Process is an experience that will help you organize your financial life so that you can make the best financial decisions. 

You will receive a visual representation of your current financial position first. Then, together, we will explore different strategies through our model to find the best money moves you can make will put you in the optimal position to grow and protect your wealth.

I understand. It’s likely you are meeting me on the internet to start and you want to know who you are talking with and is he who he claims to be.

I encourage you to do a background check on me.

The easiest way is to confirm my designations; I am a Certified Financial Planner and a Chartered Life Underwriter.

To confirm my CFP status visit: https://www.cfp.net/verify-a-cfp-professional and type in my last name.

The CFP board does annual background checks on Certified Financial Planners and requires CFPs to complete 30-hours of continuing education to maintain certification.

Learn more about what a CFP means at: www.LetsMakeAPlan.org

To verify my Chartered Life Underwriter status visit: https://www.youradvisorguide.com/designation-check

Everyone has different circumstances but The Financial Freedom Process is a comprehensive planning platform. In the system we will address the following:

• Income
• Debt
• Taxes
• Investments
• Liquidity,
• Risk Management and Protection,
• Estate Planning
• Business Continuation,
• Your short – medium -and long-term goals.

I am a CERTIFIED FINANCIAL PLANNER who is licensed as an investment advisor but I DO NOT SELL INVESTMENT PRODUCTS. 

I am also a mortgage loan originator (NMLS#1910000) and an insurance broker who represents over 500 different insurance companies offering life, health, property and casualty insurance products. When one of these financial product are the right solution, my team can assist you in finding the best solution. Compensation is disclosed and I typically reduce the remaining fee by any commissions received.

Additionally, I own Decision Tree Tax Advisors. We provide tax preparation services to a number of our clients.

NO!  If you have an accountant or attorney you consult with when making important financial decisions, we actually want them to be part of the process. The goal is to have EVERYONE you already like and trust be on the same page, not to replace your relationships!

If you do not have an attorney or accountant and you end up needing the type of services they provide, we can refer you to one of our valued partners who understands The Financial Freedom Process and the importance of a coordinated effort.

Most of my clients have a financial planner or investment advisor they already work with. 

They decide to work with me because, through The Financial Freedom Process, I use a unique and specialized process that really concentrates on your core values when it comes to money then focuses on visualizing cash flow to see the best money moves to make to accomplish your objective. This does a number of super cool things.

For one, It helps people increase their wealth building and income potential ON TOP of what they are already doing. This allows money to work harder for them so they can achieve their goals more efficiently. The cool thing is that I am usually able to do this without ANY REDUCTION IN YOUR CURRENT LIFESTYLE. As a matter of fact, your current lifestyle may even increase! 

This is the “Performance” part of the system.

This leads me to the second cool thing and that is the “Protection” portion of the system. Even though you are increasing your money’s ability to work more efficiently, I can do it so that you are taking significantly less risk than you are currently taking.

I am so confident I can make a huge difference in your financial life that if you go through the system and are not satisfied with the results it creates for your life, I refund 100% of the investment you made to participate in the system.

The Financial Freedom Process has a goal to make your financial life as efficient as possible. In order to do that, it is extremely important to have as much information about your current financial position as possible. 

You can download our “new client data sheet” here to see the types of information that can help us do the best job for you so you get the most out of the system.