Tightening your belt might be the conventional approach to saving and investing, but it’s not the only approach.

Let’s discover what’s possible for your financial situation. Contact Us

By turning debt & taxes into savings & investment we eschew the traditional orientation towards personal financial planning – one that insists that in order to save more, you have to spend less.

Financial planning doesn’t have to be merely about tightening your belt.

A Different Approach

What makes us so different is the way we orient around the liabilities-side of the balance sheet – starting with our clients monthly cash flow. Debt and taxes tend to make up a disproportionate amount of household expense. And the ability to turn those debt & taxes into savings & investment means our clients are often able to have more, spend more, and save more money than they otherwise thought possible.

What We Do

We analyze your tax return, and (if applicable) paychecks stubs and W-2(s) to determine your total tax liability, your appropriate tax withholding, and your effective marginal tax rate.

We examine your current debt structure, including what we call “Zero-Interest Obligations,” like day care, orthodontics bills, and college costs paid out-of-pocket.

We help you turn Debt & Taxes into Savings & Investment by re-positioning your income, taxes and liabilites to favor building wealth and paying off debt – all while maintaining your current cash flow and monthly spending needs.