Efficient, Optimal Personal Finance


What is your most efficient financial world?

We consult with businesses, families and individuals to make your money work as hard as possible.

If you:

  • Have a business and want to start saving more for retirement and/or rewarding key employees
  • Have a child who’s headed for college
  • Have concerns that your savings are not going to support you through your retirement
  • Want to save for your grandchildren’s college
  • Want to contribute to your favorite charity while retaining income
  • Are concerned about significant taxes, interest or debt

We can help. 

Families Planning For College

We all do our best to help our children choose a path that will make them happy in a career of their choice. We just don’t want to demolish our retirement in the process! The college process has gotten much more complicated and expensive than just 10 or 20 years ago. How we approach the puzzle depends on the age of your children:

  • High School students: We use a process that focuses on academic fit first, then social, then in finding a financial fit that the family can accomplish. Starting as a high school freshman or sophomore is best, but I can help you with advantages you can take right up to the start of their senior year.
  • Preschool, elementary or middle school students: The earlier you can start, the better off you’ll be. I help you find sources for saving that you have not considered.

For every family, we analyze your current cash flow and asset efficiency, then develop a long-term plan that will improve asset growth, access to those assets and minimize government rules in operating your plan.

Real Estate Or Other Types Of Investors

A critical tool in operating your business is a store of capital that can be deployed quickly without restrictions and that reduces taxes. Liquidity, use and control of your capital means taking advantage of opportunities you otherwise might miss. We can analyze your cash flow and current asset mix to determine how to optimize your business financial capacity in ways you have not yet considered.


Owning a home is one of the biggest financial decisions most people will make. We need a nice place to live, and renting only makes sense in the short term. However, how you finance that purchase can make a significant difference in your lifestyle, your cash flow, how much you have to spend in retirement and even your ability to react to tough circumstances such as unemployment or health problems. Before you sign those mortgage documents to buy or to refinance, let’s make sure you’re positioned to take the same advantages as the bank will. Operate as efficiently as you possibly can.

Retirement – 10 to 30 years out

If you’re working and saving for retirement, you probably want to make sure how you’re living is the most efficient financially. All of us are making lifestyle choices that determine how much we can save: the cars, neighborhood, dining out, travel – all of that is no problem. However, where problems can arise is in whether “leaks” can occur in your financial bucket – ones that you may not even know about. Most people don’t think they have any leaks, but even if those leaks are a trickle, they can amount to significant additions to either more income on the good side or a lower lifestyle on the bad side. It doesn’t hurt to find out where these leaks might be, if you can plug them, and how much they can add to your financial future.

Retire in 10 Years or in Retirement

You’re headed for retirement or maybe you’re in retirement. Maybe you feel increasingly uncomfortable about market uncertainty. Then throw in interest rate risk. And then inflation means our money just doesn’t buy as much. If you’d like to reduce or eliminate risks to your retirement income, let’s talk. You (and your spouse) can make sure your income will never run out.

Drop Me a Line

Find out how you can improve your financial future using the same resources and cash flow as you have now.