Our Method And Areas Of Coaching

Personal Trainers For Your Finances

Goal Setting

Setting realistic and achievable, yet ambitious goals is the first step to financial freedom. However, the most important step is determining the reasons behind these goals. Your “why.” Your “why” is the most important piece of the puzzle because it lays the foundation for the castle you build and will govern the amount of dedication, determination, and passion you will put into achieving your goal.

Real Estate Portfolio Planning

Changing your Mindset – The second most import piece of the puzzle is changing your mindset to seeing Real Estate as a wealth-building vehicle. Using real life examples and suggested reading, we aim to challenge any pre-existing, outdated, or simply incorrect ideals that may have been stopping you from achieving your goals.
Customizing a Real Estate Portfolio Tailored to you – By strategically thinking two steps ahead and factoring in your unique aspirations, time horizon, and comfort level, we help you create a real-estate portfolio that meets your specific needs. Some of our strategies that we implement include, but are not limited to:

  • The 5 in 10 method – Creating a $1.75 million investment portfolio with a real estate portfolio that has a net worth of $3.575 million IN ADDITION to your retirement savings!
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  • Bottom-Up Approach – Start by purchasing homes at the bottom of your comfort level, use a primary residence for 2-3 years, and continue up to your desired comfort level.
  • Cash-on-Cash Return – Most financial advisors say a good return on investments is 8%, yet figures show that market investments have returned only 3% on average over the past 15 years. The formula for Cash-on-Cash rental return is Annual Cash Flow/Cash Put into Transaction. The following example illustrates a scenario that gives an 8% return, however, in most cases that number is just a baseline and we’ve seen up to a 24% annual cash-on-cash rental returns.
    • Example – A $300 monthly Cash Flow will give you an annual cash flow of $3600. Dividing that by the cash you put into the home, for example $45,000, you’ll get an annual Cash-on-Cash Return of 8% annually.
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    • The Teeter Totter Balance – How the relationship between principal, appreciation, depreciation, vacancy, and maintenance play a huge role in the value of a property.
    • Property Management The pros and cons of managing properties yourself or hiring a property management group.
    • 1031 Exchanges – A tax strategy that allows for an exception to paying the higher capital gains tax. This involves rolling profits of the sale of one investment property into another larger investment property.
    • Fix and Hold – Generally not a common strategy for first-time homebuyers. However, we have many different tips, tricks, and advice for those who want to utilize this strategy.

Securing a current and complete Financial Picture

By taking into account:
Age, Marital Status, Dependents, Income, Assets, Liabilities, Protection (Insurance and Tax-Structuring), Other Investment Vehicles And Social Security. We are able to compile a complete and current financial picture from which we base our real-estate portfolio planning around. This process of knowing what you have and where you have it is a highly important and educational tool that cannot be overlooked when planning for your financial freedom.

Cash Flow Tracking

It is imperative to implement a method of tracking and accounting for every dollar that comes in and every dollar that goes out of your bank account. With this information, finding any excess or inefficiencies/leakage can not only help to fund the purchase of the next asset, but can also offset the cost of this coaching program. There are many options available to suit everybody’s needs.

Credit Review, Monitoring, and Education

Something that everybody should do; yet many people don’t, is have a credit review and monitoring system in place. There are many options out there to choose from and choosing one can seem like a daunting task, however we are here to help navigate by offering certain criteria that we believe need to be met in order to adequately review and safeguard your credit while protecting against identity theft.When you sign up for our program, you will receive a free credit report and credit analyzer to begin the process of learning about credit; the many different types, the ways it can be leveraged, and the many factors that influence it. We will also coach you on finding and disputing inaccuracies. Due to the fact that disputes can take months to resolve, starting that process in the beginning will save time and money and prevent any surprises from arising down the road.

Liability and Debt Management

The first step in this part of the process, is learning that a change in mindset towards assets, debt and liabilities must be made. Our society has conditioned us to believe that a little or a lot of debt is ok. This way of thinking has left our country, millions of people, and our society in general billions of dollars in debt and is one of the biggest impediments to securing financial freedom if not used correctly. Not all debt is bad, however. The way it is utilized is the deciding factor. We will teach you different ways of managing debt and/or leveraging it to your benefit. Another common belief that must be challenged is idea of the American dream and the belief that your home is your biggest asset. Contrary to popular belief, the home you currently own and live in is not an asset until you no longer live in it and are able to produce income from it.


Prepare for the unexpected. After the foundation for the castle is built, the debris cleared, its time to start building the moat around the castle. Unexpected events can have a devastating impact on any well-laid financial plan.Health, Home, and Auto Insurance Researching quotes and different types of coverage (group vs. individual and bundled insurance vs. separate policies) can potentially save you hundreds of dollars.
Property and Casualty (Umbrella Policies) – An umbrella policy is a supplemental insurance to cover any claim that your existing policies do not cover or the amount of money that exceeds the existing policy’s limit.
Disability Insurance – Depending on your current financial situation, a disability policy should cover at a minimum any mortgage or debt, monthly outflow, then full replacement value of income.
Life Insurance 
Long-term Care InsuranceThese are all factors that need to put in place. As wealth accumulates, they must be revisited, as restructuring may need to take place.

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