Frequently Asked Questions
FAQ
How do I get out of debt?
Debt elimination – not consolidation – is one of our firm’s specialties. We teach people from all backgrounds and socio-economic statuses how to eliminate all debt in under 9 years or less without spending any more than they do today. It can be a complex topic, so contact us to schedule your free consultation and one of our licensed agents will educate you on the #1 strategy to eliminate all debt, leverage every dollar you earn, protect your funds in a litigation-proof environment and more.
How am I able to eliminate debt without spending any more money?
One reason our firm is different from competitors is because our advisors take time to help you track your money and find inefficiencies. Spending funds inefficiently — from paying too much on home and auto insurance to over-paying on current debt bills — can be redirected into more efficient methods, which are guaranteed to help you pay off debt sooner.
Are you a debt consolidation company for a fee?
Absolutely not. In fact, we believe debt consolidation for a fee should be an illegal practice. We specialize in educating clients on the strategies available to them, so they can make the best choices for themselves and their families. Plain and simple.
Commonly Asked Questions
How do I obtain financial freedom?
Debt is the #1 obstacle to retiring when you want and how you want. Furthermore, it remains to be the #1 topic most couples argue about.
We believe that eliminating the debt burden is a great way to ensure more families grow together as well as build and maintain generational wealth.
The Process
How We Work
As an education-based firm, we are here to answer your questions and provide the best service possible. An educated client is the best client. So, get in touch if, after reviewing these FAQs, you still have questions.
What do you mean by “ground up,” “organic” or planning?
When you hear one of our advisors use these terms, what they mean is that we are relationship-built. Rather than try to close a quick sale, our team treats our clients like family. In fact, most of our business is conducted over people’s kitchen tables. We’re down-to-earth and believe in earning trust rather than chasing a transaction.
What fees do you charge?
Unlike most financial planning firms, we charge zero fees to educate clients on the guaranteed strategies available to them. To best support our clients, our advisor “put skin in the game,” so to speak. There is no cost to discuss and learn about strategies available to you.
When you say you’re a resource of the community, what does that mean?
Yes, we’re financial advisors. But, we’re also believers in doing what’s right, giving back to our communities, and educating others on the tools and strategies available. Our goal isn’t to make a sale but to facilitate positive change through our intentional actions, coast to coast. We’re here to perpetuate long-lasting and sustainable change.
How do you make money if you don’t charge fees?
That’s a great question – one we receive often. Estate plans are the only service for which we charge a one-time fee. Otherwise, if our advisors educate clients on the most appropriate investment options to them and a client decides to move forward, advisors receive a commission from the carrier. You never have to pay the advisor directly.
Do I have to have $200k+ to work with you?
Absolutely not. In fact, most of our clients are hard working, blue collar folk who will have $2,000,000 pass through their hands during their working lifetimes (18-65 years of age). As a result, they are looking for the best solutions to leverage and protect every dollar they earn.
How do I avoid probate?
Probate is a Latin word, meaning “to prove.” When a recently deceased individual has assets tied to his or her personal name, the estate has to go through probate for the court and attorneys have to get involved to “prove” the validity of the will. To avoid probate, assets (houses, cars, etc.) are retitled into the family’s revocable living trust. Because no assets are tied to the trustor/grantor’s name, there is nothing to probate.
Why do I need an estate plan?
You don’t need a million dollar mansion to benefit from an estate plan. In fact, most people could benefit from taking the time to organize their affairs. The benefits of an estate plan and investing in a revocable living trust include:
- Avoiding probate
- Learning about capital gains tax and death tax
- Preparing for the possible event of incapacitation
- Guaranteeing you have 100% control of your end-of-life wishes
- Ensuring your loved ones with special needs are provided for and don’t lose their government benefits
- Guaranteeing distribution to your loved ones is per your wishes
- and more
The benefits are best explained in a one-on-one meeting, so get in touch today!
What are the differences between wills and trusts?
A living trust:
- Prevents the probate process
- Prevents the court from controlling your assets at incapacitation
- Gives YOU – not the courts – control over assets you leave to your heirs
A will:
- Is 100% public
- Doesn’t carry a medical designation for incapaciation
- Takes 30+ months on average to settle an estate through probate
Want to learn more? Schedule your zero cost and zero obligation consultation today.
Estate Planning
Building a legacy
We love supporting families in their quests to build and maintain legacy. Whether you’re curious about estate planning or paying less in capital gains tax, our financial advisors can educate you on the best path forward.