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What Is Not Working

Why there’s a disconnect between the traditional model and reality


You are likely losing more money than you need to.  Debt, overpayments on debt, and taxes are the most common ways you are giving away money that belongs to you.  Essentially, every time you pay more than you should, you are transferring wealth to someone else.


The typical financial conversation centers on accumulating a nest egg big enough that you can retire and hopefully not run out of money.  What if we could expand the paradigm to increasing cash flow and accumulation of cash flowing assets?

The Business-Owner's Financial Complexity

As a business-owner, you navigate complex financial issues, many of which are potentially holding you back from growing your business and exiting from it profitably.

Lack of Financial Clarity

Often, the process of achieving your financial goals is seen as a straight line to a stated destination or objective. This premise is wrong from the start, because we are limited by preconceptions and misinformation. If left to define our own needs and goals, we will often shoot for far less than our maximum potential. Even with many effective tools in place, you still need the correct context and perspective to guide decision-making and measure the effectiveness of your strategy.

Elusive Losses


Debt, while providing leverage, is a liability that lowers cash flow and shrinks your profits. To free up cash flow and minimize interest payments, many people make overpayments on the debt. In striving to pay off debt early, they increase the potential for a liquidity crunch. You need a strategic plan for managing cash flow, allowing your money to do the most for you.


Too many people ignore taxes when investing and planning their wealth strategy. Business owners pay more than the legal minimum in taxes because they are not leveraging the tax code to their advantage. Like a historian, most tax advisors reactively focus on last year’s taxes, rather than looking forward. This does not serve the purpose of a significant and permanent tax reduction strategy.

Lost Opportunity Cost:

When you pay more than you should, you are not only giving up your money, but also your money's ability to work for you. You are impacting your financial leverage, profitability, purchasing power and your ability to grow your business.

Overexposure to Risk

Any asset you build will provide value into the future if properly protected. Your assets include your time, your income, your ability to earn an income, your business, the revenue produced from the business, and what the income from the business provides for your lifestyle, family, and your future. Being open to market downturn, loss of a key employee, inability to earn an income, and lawsuits are risks that could threaten your maximum wealth potential.

No exit strategy:

If you invest your self, your time and your energy to build a thriving enterprise, but don’t protect what you’ve built, you are at risk of losing it all. Exit planning is analogous to estate planning, and often one of the most neglected considerations in minimizing risk in the life of the business owner. It directs the passing of a business interest at a lifetime event such as retirement, disability, divorce, or premature death.

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