I help individuals and families protect and preserve their wealth using proven financial strategies. Learn how to:
- Eliminate debt permanently—without increasing your spending or changing your lifestyle.
- Shield your assets from stock market crashes and economic downturns
- Minimize future taxes legally and strategically.
- Fund college education without tapping into your savings, home equity, or retirement.
For more than two decades, I’ve watched hard-working people leak money unnecessarily simply because no one showed them a better way. Ready to keep more of what you earn?
Scroll to see the various ways I can help…
Are Market Volatility and Inflation Threatening Your Retirement?
If recent economic drops have you questioning your financial future, you’re likely asking yourself:
- Recovery: Will my retirement accounts bounce back before I stop working?
- Sufficiency: Will I have enough income to sustain my lifestyle throughout retirement?
- Strategy: Should I cut my losses, stay the course, or shift into safer vehicles?
- Taxes & Growth: Is there a tax-free strategy that shields my nest egg from future market crashes?
You don’t have to guess. We provide clear, objective analysis to help you eliminate uncertainty, protect your assets, and build a stress-free retirement plan.
Free Resource: “Wealth with Risk”, the whole truth about how money works and how to keep control of yours. Receive your copy after a short phone call with Edward.
Schedule Your Free Consultation Available to U.S. residents. Zero obligation, just actionable answers.
Be Out of Debt FOREVER
Albert Einstein famously remarked, “The most powerful force in the universe is compound interest.”
Who are we to argue? When compounding works against you through debt, it drains your wealth. But there is a better way.
You can achieve complete debt freedom without changing your lifestyle or spending any more money than you do today. This isn’t a debt consolidation loan or a strategy requiring extra payments out of your checkbook—it’s a smarter way to redirect the money you’re already spending.
Our Family Bank
Our Family Bank strategy has been around for over 40 years yet there is still little awareness of the financial power it gives people. This is not a chartered bank, it allows us to have access to money without decreasing the value in our account. With it, we can do the following:
- Pay for college
- Get out of debt forever without spending more money or changing our lifestyle
- Pay ourselves the interest on the purchase of major items instead of paying financial institutions
- Set up a plan for tax free FOREVER retirement income
- Avoid Lost Opportunity Costs
Paying for College
The challenge is how to pay for college without bankrupting our retirement plan or the home equity line of credit. There are several commonly used options to pay for college:
- 529 plan – many issues
- Pay cash – Lost opportunity costs
- Pay with loans – More lost opportunity costs and more debt
The issue with the above is after the college has been totally paid; where is the money? In our wealth or the colleges wealth? Our plans are custom designed for each family to provide:
- Safety of our money – no investment loss because of market or economic downturn
- No tax on growth and potential of tax free distribution
- Use the money when and how we wish – If the child does not go to college the dollars are not lost or taxed.
Tax Free Income
Most are unaware that probably over 40% of their retirement money will disappear to taxes. Our clients are concerned about:
- No control over taxes
- No control over losses due to stock market or economic downturns
- Access to cash
Our plans effectively address these concerns.
Comparing a 401k or IRA to a Tax Free Account:
- What will be the taxes on our retirement money?
- What if I am under 55 years of age; what can I do?
- What if I am close to 59 ½?
- How do I avoid paying taxes on my Social Security Benefits? What’s Provisional Income?
- What are the comparison benefits of a 401k vs. a Tax Free Account?
There are no answers to what tax bracket we will be in when we retire. The government has not told us.
Would you take a loan with a bank who said they will tell you the interest rate on the loan at the end of the loan term? Isn’t that the same as not knowing the taxes on your 401k or IRA accounts?
401K & IRA
In a recent interview, Ted Benna (the inventor of the 401k plan) discussed three reasons why we should be very leery of 401(k)s and IRAs:
- The government may repeal the 401(k) and IRA, so you won’t be able to put any more money pre-tax into these accounts, or the amount you can put in will be drastically reduced (Congress considered doing that again last year!)
- Benna believes the next stock and bond market crash is imminent and could wipe out 40% of the typical portfolio
- Wall Street has hijacked these plans, and the excessive fees charged by mutual fund companies and plan administrators are robbing you of up to half of your nest egg
It caused quite a stir when the man who is credited with being the “father of the 401(k),” Ted Benna, recently announced that he’s put a substantial part of his own money – “probably the biggest part of my wealth” – into tax advantaged strategies commonly known as a Family Bank.
Testimonials
Steve B – Walnut Creek
When I met Edward it was clear he was a longer term thinker than most other types of advisers I have met. He listened to my objectives, asked questions and gave me choices which convinced me he was looking out for my best interests.
His plan design was extremely complete, flexible, easy to understand and on target to my objectives. Whenever I need information he responds very promptly with explanations so I can easily make decisions. There is no question he was a great choice to help me with my plans….
Client Examples
BUSINESS OWNERS who think they’re paying more than their fair share of taxes. We can help you substantially reduce your tax bill.
A 60 YEAR OLD can save over $300,000 in taxes on his retirement income by not paying taxes FOREVER on his retirement money. This strategy provided him with over 200% more income.
A 55 YEAR OLD restaurant owner was able to obtain financial aid from the colleges because the money the grandparents gave them was moved from an UTMA account to a strategy which kept the money off the FASFA form. This was true financial aid; not a loan. Thus, the money saved was able to be used for other college expenses