These days, I can be found traveling the country educating financial advisors and today's youth in colleges through my work at PEM Life. When I am not traveling I enjoy spending time with my two children (Annah & James), grandchildren, and being at home in Tennessee where I live with my wife of over 40 years Connie.

My Unique Approach

In less than 15 minutes I can help you answer the 4 most important financial questions:

1) Do you know what rate of return you need to earn on the money you have today to be able to live in the future like you live today, adjusted for inflation, without running out of money before your life expectancy?

2) Do you know how much you need to be saving on a monthly or annual basis to make sure you will have enough in the future for you to live like you live today adjusted for inflation?

3) Do you know how long you will have to work doing what you are doing now before you will be able to live on what you have accumulated and your money last to your life expectancy?

4) Do you know how much you will have to reduce your standard of living during retirement the future to keep your money from running out before your life expectancy?

I am also uniquely trained at helping my clients eliminate wealth leaks in 5 major areas. The average American family saves only 4 cents of every dollar earned and spends the other 96. Most financial advisors focus on providing investment strategies for only those 4 cents. I take a very different approach where I analyze the entire dollar and specialize in finding areas of your spending that are creating wealth transfers.

The five major areas wealth transfers occur are:

1. How you pay for your house

2. Funding your Qualified Plan

3. Taxes

4. Education expenses

5. Major capital purchases

My job is to help you find solutions that protect against rising taxes, shield assets from market crashes, and secure retirement cash flow.