More Resources for Families

Professional Advice
from a certified financial planner in Scottsdale, AZ

In this series of videos I discuss the various ways families can efficiently plan for their financial futures including how to understand home equity, the pros and cons of qualified plans, what average rate of return actually means when investing, home to plan for college costs, and more.


Private Reserve Strategy: 

An excellent question to ask yourself is, what kind of investor you are: a debtor, saver, or wealth creator? Or perhaps more importantly, which do you envision yourself as in the future, a debtor, saver, or wealth creator? The answer is probably very simple, a wealth creator. In this short video you will learn about how the Private Reserve Strategy and compounding interest can create easily accessible capital over time by minimizing loss on investments, therefore maximizing your purchasing power.



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!


Understanding Home Equity: Tale of two families

If you’ve bought a house or are looking to purchase one soon, you might be wondering how you should go about paying for it. Should you pay in full, up front or take out a mortgage from the bank and pay for it over time? Using 2 families as examples, the “Free and Clear” and “Owe it All” families, I will discuss home equity and how it can be used to it’s best possible potential. In the video I illustrate the ways that taking out a mortgage from the bank can be more advantageous to you and can help you earn money in the long run.

Rate of Return: Average vs. Actual Rate of Return

When considering how you want to invest your money you will hear things like “I can get you an average rate of return of 20%”, but is that really a good thing and how much are you actually earning over time? Here I will go over examples of average rates of return vs compounding interest rates over time and demonstrate how putting your money in an account with compounding interest can be more valuable than risking your money in the market.


The Retirement Savings Dilemma:  How Much?

No matter how you look at retirement, you will often come up with the same 2 questions: How much money should I be saving and where do I put it? But that only touches the surface of your savings dilemma. You also need to consider your retirement income streams and their distribution. This video will give you a quick and easy explanation of what you need to consider when saving for retirement.

Qualified Plans: Are you saving taxes? 

In this video I will go over the following: what is a qualified plan and how does it work? Many people assume they will be in a lower tax bracket when they retire, but that isn’t always the case and, when you remove your retirement savings, you might end up paying more in taxes than you thought. I will talk you through several examples of qualified plans with different tax brackets and explain how common misconceptions such as, “saving taxes” over time really work.

Making College More Affordable: What will college cost you?

In this video special guests, certified financial planner Monica Felton and High School Principal Kate Jaenicke, discuss the ways that families can plan for college without sacrificing their retirement savings.

Topics covered include:

  • Average Cost of Tuition in Private vs Public Schools

  • “Merit” Aid vs “Need” Aid

  • How “Need” Aid is Determined

  • What is the FAFSA and how do you Complete it?


10-minute Lesson on Life Insurance:

Planning for your future finances can get complicated and confusing quickly. In this video you will learn a quick lesson about life insurance and the way minimum vs maximum payments are determined. You will also learn differences between Term Insurance vs a Permanent Life Insurance Contract and what potential benefits you can earn over time with each plan.


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