Money doesn't have to feel complicated.  

Most people don’t come to us because things are simple — they come because they feel pulled in too many directions — and no one has offered to help them tie everything together...

As we have shared, The Possibility Gap is the space between where you are today and where you want to be — or could be...  

However, it also has a more subtle aspect — the space of overwhelm.  There's too much information.  Too many choices — so much noise that it all blends together — and clarity fades.  Decisions stall.  Confidence disappears — and you may feel like you have no possibilities.  When this happens, it’s hard to see “a future,” let alone “your future.”  

We believe in thinking “outside of the box” and are not afraid to challenge conventional wisdom in our approach to growing, distributing, and preserving wealth.  This has proven to be a winning strategy for our clients.

You’ll notice this site highlights both retirement income planning and whole life insurance.  That’s intentional.  While every client’s needs are unique, whole life insurance is one of the few tools that may positively influence all dimensions of their Wholistic Possibilities Matrix — enhancing efficiency, expanding flexibility, and increasing the reliability of long-term cash flow.

 Although we have been sharing the "selfish reasons" for over 25 years, current academic research now also points to the benefit of retirement cash flow generation strategies that combine probability-based assets (traditional portfolio assets and alternatives) with actuarial-based assets (whole life insurance and annuities), especially when legacy is a consideration.* 

That said, not every strategy needs or includes life insurance — after all, you shouldn't get life insurance unless you want what it does for you — click the Tools & Resources link (or the tile below) to get my whitepaper on The 15 Selfish Reasons to Own Life Insurance.

*This comment is supported by material in "Safety-First Retirement Planning" by Wade Pfau, Ph.D., CFA, RICP