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Creative Financial Planning

We are an Orange County investment management and tax strategy firm that has developed a national reputation serving sudden wealth clients with financial planning.

An Effortless Savings Program

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A good savings plan is like a good diet: It’s only going to work if you stick with it.  When so many things compete for our time and attention, it’s easy to push our finances to the back burner. While the consequences of spending a few months ignoring your finances are not quickly apparent, it…

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The Benefits of Purpose-Driven Investing

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Does Purpose-Driven Investing sound a little too touchy-feely for you? Don’t worry, it has many real-world benefits.   Benefits of Purpose-Driven Investing: It fits your personality. Trying to fit a square peg in a round hole usually ends in frustration and failure. Many investors have been trying to do just this. Not all of us have…

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Introducing Purpose-Driven Investing

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How We Achieved Our Goals as Kids We can learn a lot from our youth. Do you remember what it was like to save for a goal when you were younger? I didn’t get an allowance, so I earned all my money. The process was the same every time. I would get an idea for…

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Income Maximizing Program

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I’m an advocate of living within your means.  I don’t believe in borrowing or using credit cards to fund a lifestyle that my income can’t support. If you live a lifestyle beyond your means for too long, you dig an increasingly larger financial hole.   What should you do if the life you want is above…

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The Debt Demolition Program

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Maybe the idea of a Six Day Financial Makeover was attractive to you because you are in debt.  How can you think about saving to reach your goals when you are plagued with overwhelming credit card debt? It will take discipline and hard work, but you will be able to pay off your debt and…

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The Expense X-Ray Process

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While the advice to spend less than you make isn’t new, you will learn how to see your expenses in a new way.   You are going to X-Ray your cash-flow to look for hidden opportunities. What does this mean? It means you are going to take a close look at each expense to determine if…

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The Optimized Spending Pyramid

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The Optimized Spending Pyramid Before you analyze your expenses and goals and develop a personalized cash-flow plan, let’s look at a Spending Pyramid. A Spending Pyramid represents the order and how income is allocated. A common Spending Pyramid of an average individual or family might look like this:  Common Spending Pyramid     You will…

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Swim, Tread, or Sink? A Cash-Flow Quiz

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When it comes to finances and cash-flow, are you swimming, treading water, or sinking? Choose the letter that best describes where you are today: I use a credit card but always pay off the balance every month. A. That’s exactly right. B. Most of the time I do but there are months where I can’t.…

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Take Control of Your Cash-Flow

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Now that you’ve got a handle on your current financial health, it’s time to focus on what you’re doing daily to improve or damage your financial health. Getting control of your finances wouldn’t be complete without understanding your personal cash-flow. Cash-flow is a fancy phrase that means the money coming into and out of your…

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Take Control of Your Net Worth

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You entire financial health can be summed up with one number. This one number reflects all of the financial decisions you’ve ever made. That number is your net worth. For such a powerful number, you would expect a long and complicated calculation; however, it is easy to calculate your net worth. Large well-known companies such…

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