Strategies and techniques to control financial exposure to personal risk. Cash flow deals with life insurance, income replacement, critical illness insurance, disability, etc .

Cash Flow


Debt Management

Strategies and techniques to reduce and/or eliminate debt. Debt consolidation, re-advancable mortgage/ line of credit, creating tax deductible interest (good debt vs bad debt).


Strategies and techniques to track household income and expenses with a view to creating more efficient tracking and realization of a goal/objective.

Risk Management


Tax Planning

Strategies and techniques to maximize the present value of after-tax net worth by minimizing taxation.