Think Financial Efficiency

Monica educates families on efficient strategies to create long-term wealth while paying for lifestyle expenses. These strategies maximize future wealth in retirement.  

Sign up today to check for a specific workshop.


College Planning

College planning services have quickly become a significant advantage for families by reducing the threat to their lifestyle and retirement dreams. Today, families are spending $100,000 $200,000 and $300,000 to provide just one child with a college degree. How you choose to pay for this expense will have a significant impact on your financial future.

Workshop: The financial road-map to college planning

  • What is the cost of attendance

  • Is public cheaper than private college

  • What will college cost you - How to calculate your EFC

  • Understand the formulas used to determine need based financial aid

  • College planning is financial planning

This workshop is a 1-hour, comprehensive presentation, on a high school campus, and by invitation only.


October 1st, 2019 @ 5:30 pm / Mesa, AZ

October 3rd, 2019 @ 6:00 pm / Phoenix, AZ

October 16th, 2019 @ 6:00 pm / Gilbert, AZ

Looking to learn even more? Our college planning services also include an Online University! Nn


Your kids are ready for college...Are you?


Tax Planning

The biggest threats to families retirements are Taxes and Debt. Taxes are getting worse, and debt is out of control! Families need to reduce their Effective Tax Cost in retirement, and know the formula for paying off debt early and staying out of debt forever. It’s time to get SMART about your future!

smart book.jpg


  • Want to be Debt-Free?  Learn how to eliminate Debt NOW! 

  • Increase Retirement Income / Minimize Retirement Tax Cost

  • Learn why wealthy people like Warren Buffet are using actuarial science to save money

  • Understand why the half-truth of Rate of Return is deceiving

This workshop is a 1-hour, comprehensive presentation, and by invitation only.


October 8th, 2019 @ 6:00 PM / Scottsdale, AZ

October 10th, 2019 @ 6:00 PM / Scottsdale, AZ

are you ready to get smart about your retirement?