Conversations for Possibility

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Interested in turning your debt & taxes into savings & investment, or some other conversation for possibility?

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Turning Debt & Taxes into Savings & Investments.™

Americans face a $7.7 trillion Retirement Income Deficit, owe almost $13 trillion of household debt, and pay over $2 trillion in annual income taxes.¹

And yet today’s most sophisticated financial advice focuses almost myopically on investment returns. And in doing so, fails to produce a solution to the Retirement Income Deficit.

We can no longer afford to rely on investment returns alone. We simply cannot invest our way out of this.

What is needed is a radical reinterpretation of financial planning.

Financial planning has been defined as “the process of determining whether and how an individual can meet life goals through the proper management of financial resources.” This sounds reasonable, until you realize that our goals are informed by what we believe to be possible. Yet one of the primary reasons to seek the help of a professional, any professional, is to find out what is possible in the first place. Starting with goals too often constrains possibility.

A possibility-based process.

Our process is oriented towards possibility. The conversation, turning debt & taxes into savings & investment™ can afford clients the opportunity to save more, have more, and spend more than they otherwise thought possible.

For some, an increased capacity to save & invest while maintaining their current standard of living opens the door to take less portfolio risk or choose more socially responsible investments. Others may find that paying for things like college tuition, a debt-free retirement, or their parents health care, to be within reach.

Whatever the concern, our possibilities-based process aims to cultivate the skills and sensibilities required to navigate uncertainty, and reinvent reality through financial planning.

¹ Center for Retirement Research at Boston College. Federal Reserve Bank of New York.