What is the difference between personal financial planning and business financial planning?

While personal planning focuses on individual goals like retirement and estate planning, business financial planning integrates your company's finances with your personal wealth. We align business profitability, employee benefits and retention, debt management, and exit strategies with your personal financial objectives to maximize wealth for both you and your business.

Next Generation Planning

The future of your family’s legacy starts with the values taught at home. Many parents want to talk with their children about money, purpose, and responsibility, but aren’t sure where to begin.

We help families teach the difference between speculation and disciplined investing; focusing on building wealth with patience, confidence, and Nobel award winning science.

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Guiding the Next Generation Toward Disciplined Wealth

The future of your family’s legacy starts with the values taught at home. Many parents want to talk with their children about money, purpose, and responsibility, but aren’t sure where to begin.

We help families teach the difference between speculation and disciplined investing, focusing on building wealth with patience, confidence, and long-term intention.

Foster Meaningful Family Wealth Conversations

Legacy begins with communication. Many parents want to talk with their children about money, purpose, and responsibility, but feel uncertain how to start. Research from Wells Fargo and Ipsos shows that 90% of parents believe financial conversations with children are important, yet 51% feel uncomfortable having them.

We help your family create thoughtful, natural discussions around wealth, values, and the meaning behind financial success.

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Protect the Next Generation from Financial Risk Culture

Access to gambling and speculative financial behavior is growing among young people. The National Council of Problem Gambling reports that roughly 1 in 6 adolescents have gambled in the past year, despite being under legal age.

With sports betting and high-intensity trading often presented as entertainment, we focus on guiding younger family members toward disciplined, responsible financial habits.

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Teach Timeless, Disciplined Wealth Principles

Behavioral research published in ScienceDirect indicates a strong relationship between gambling behavior and higher-risk speculative trading, including cryptocurrency markets.

Our philosophy is simple: wealth is built through patience, structure, and long-term participation in global markets, helping preserve and grow your family’s financial foundation for generations.

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The Living Balance Sheet®

The Living Balance Sheet® is an interactive web-based tool grounded on a unique philosophy that challenges traditional thinking and offers a new approach to financial decision making. It adheres to a proven process that helps clients achieve their financial goals.

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There is a 100% certainty you will leave your business. Most haven’t planned for that and there is no dress rehearsal. This may be the largest transaction of your life and can be family dynamics that play a role in furthering the anxiety and stress around this event. Exit planning involves one of three choices: A sale to an insider, a sale to an outsider, or keeping the business until death. Successful exit planning requires us to protect and grow the business all while preparing for the best valuation at exit, no matter which choice is chosen

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Generally all young adults want to go out and forge their own path. However, it may be in your and your families best interest to consider using the advisor who has helped your parents get to where they are in life. The reason? Integration. One of the biggest challenges in wealth transfer from one generation to the next is a lack of clear communication. If you work with the advisor who has helped your parents build their wealth, that advisor can also help you prepare for the day when you may need to help your parents as they age while ALSO increasing your net worth in a proven methodology that has already benefited your parents.

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Traditional retirement often assumes you retire in your mid-60s with Social Security and Medicare as safety nets. Early retirement planning focuses on bridging the gap until those benefits begin, managing higher healthcare expenses pre-Medicare, creating sustainable income streams earlier, and building flexibility for longer lifespans—all while preserving your nest egg through market volatility and unexpected costs.

Early retirement requires careful planning to ensure your portfolio lasts 30–40 years or more. We can help you calculate a safe withdrawal rate, optimize tax-efficient withdrawals (e.g., Roth conversions, capital gains harvesting), manage sequence-of-returns risk, and adjust your plan for healthcare costs, inflation, and lifestyle changes—so you can retire confidently without running out of money.

One thing we’ve seen many new clients unprepared for is LEGACY. Oftentimes we hear “I want to die with $0”! However, once those adorable grandchildren start making their way into your lives, your desire for a legacy beyond you may become more important. It’s critical an advisor has both the technical ability as well as the communication skill set to help you plan for this possibility.

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Many advisors rely on active management, market timing, or simple S&P 500 indexing, which often underperform after fees and behavioral mistakes. Our evidence-based strategy tilts portfolios toward small-cap and value stocks using the Fama-French factors, combined with global diversification and rigorous rebalancing. This academically grounded method has historically outperformed broad market indexes over long periods while keeping costs low and avoiding emotional decisions that erode wealth.

Generally poor investor behavior drives clients to gamble and speculate with their money…without even knowing it. Chasing hot sectors (tech or health care), chasing the “hot hand” (SP500 only portfolios) and individual stock picking are all common things we see in new client’s portfolios. Sometimes it’s by design, but oftentimes the client isn’t even aware of the speculation and risk in their portfolio. We mitigate all of this by never predicting the future or gambling with our client’s money. Rather we use Nobel prize winning research from academics like Eugene Fama, Ken French and Harry Markowitz to build and maintain client portfolios.

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Investment Management

Investing is emotional. Headlines, markets, and everyday noise are constantly in your face in our 24/7 news cycle. Being plugged into that all the time will create worry and doubt. Our job is to remove that. We teach you how markets work so you can stop spending all your time worrying about things you can’t and don’t need to control. Allow us to worry for you!

Business Owners

As a business owner you are the heartbeat of your company. Everyone relies on you. Your customers, your employees, and even your community all rely on your vision. Business planning is far different than “just another financial plan”. We understand this because we are business owners as well.

Early Retirement

“Early” is relative and it’s personal to you. Our driving desire is to help you figure out when it’s time to stop trading your time for a paycheck…maybe that time can be earlier than you thought.

Joe DeLisi

Next Generation Planning

Guiding the Next Generation Toward Disciplined Wealth

Foster Meaningful Family Wealth Conversations

Protect the Next Generation from Financial Risk Culture

Teach Timeless, Disciplined Wealth Principles

The Living Balance Sheet®

What is the difference between personal financial planning and business financial planning?

What is “exit planning”?

Questions? We're Here to Help!

What’s the difference between managing my own finances and working with a professional advisor?

Should I use my parent’s financial advisor or find my own?

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What’s the difference between traditional retirement planning and planning for early retirement?

How can a financial advisor help me achieve and maintain early retirement?

How does Legacy planning come into play?

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How does your investment approach differ from most financial advisors or popular strategies like target-date funds?

What are some of the biggest mistakes you see in new client’s investments?

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Investment Management

Business Owners

Early Retirement

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