Financial Guidance


Maximum Forward - Wealth Creation Uninhibited

With so many financial planning strategies out there, how do you know which one is THE BEST? The short answer: The best plan is the one that boosts your security and ensures strong performance across the widest range of possibilities. The True North Solution is compiled of...

  • Predictable results
  • Financial control
  • Lifetime access to your money (without penalty)
  • A competitive rate of return
  • Tax management, and
  • A steady and certain accumulation of wealth


If you were able to corral twelve financial planners in a room and asked them to produce the best financial plan for you using identical data you would most likely wind up with twelve different solutions.  How would you know which one is really the best, or even if any of them are the best considering your unique circumstances?

The problem with traditional planning is that the stated objectives of most plans and their implementation strategies violate core principles of economics.  The main problem with traditional planning methods is that their core objective is to meet the client’s stated needs and goals.  Is it possible that the advisor in implementing a traditional plan has actually inhibited the client’s ability to maximize their wealth potential by designing a plan merely to meet a client’s stated needs and goals?  Is it possible that the clients stated needs and goals will change as they encounter the many twists and turns on the path seeking financial security and independence?   Obviously the answer is yes. 

So, the best financial plan is one that gives the individual confidence and certainty that they will be successful across the widest range of possibilities, live too long, die too soon, and everything in-between.   One that will provide the control and resources to address any of the many challenges they will face over their lifetime.  One that allows them to live the one life they have the best they can. There is only one planning strategy that can accomplish this, THE TRUE NORTH SOLUTION.  The foundation of this planning strategy is built on balancing the power of the capital markets with actuarial science. Adopting the THE TRUE NORTH SOLUTION in disciplined manner will provide you with three powerful retirement strategies to choose from once you enter retirement, (1) Covered Assets, (2) Volatility Buffer, and (3) Uncorrelated Assets for Diversified Retirement Income. Each provides substantially more income than a traditional plan using systematic distributions from a retirment or investment portfolio.
Interested In Learning More About The Flaws Associated With Traditional Planning? – READ ON!

Most people blindly invest in all the traditional options (IRAs and 401(k)s and other tax deferred plans) COSTING them more in taxes and fees over time. That’s the traditional approach to investment and retirement planning because that’s what their advisor and CPA told them to do.   I consider these bad assets.  IRAs and 401(k)s are tax deferred, creating an ever increasing debt on these accounts.  What you really have is a TAX INCREASING LIABILITY PLAN.  The ever increasing compounding fees also erode your wealth potential. If you access your money prior to age 59 ½ you pay taxes and a 10% penalty that reduces your withdrawal substantially, as much as 35 to 45 percent.  You have given up the ability to use your money over most of your adult life. You have locked yourself out of happiness.  You cannot pledge these accounts as collateral, because that would cause a taxable event as well, and the tax burden passes to your beneficiaries upon your death.  Once the money is deposited into these tax-deferred or tax-qualified accounts there is no economical way to access the money.

At retirement, just when you need the money the most, you are taxed at an unknown, and possibly higher tax rate.  This makes these traditional retirement savings accounts an uncertain and diminishing asset over time.  Taxed as ordinary income, withdrawals from traditional retirement accounts create additional issues in retirement.  The income from tax-deferred accounts could cause more of your social security benefit to be taxed, or you may have to pay a higher premium for Medicare.  Additionally, withdrawals may cause a phase-out of deductions, tax credits, and other benefits as income increases.  Then when you reach age 70 ½ you are forced to begin taking withdrawals from the tax deferred account whether you need the additional income or not.  From this point on your taxable income will probably increase each year.  Taxes represent the largest transfer of wealth you will ever experience.  Terrible things happen when you experience wealth transfers to the government or other institutions.  The transferred money and its ability to compound and create wealth for you are gone forever.  This is known as OPPORTUNITY COST, a 200-year-old principle of economics. You have unintentionally created a huge economic dilemma.

The point is that traditional planning has set up the individual for massive wealth transfers that he or she has little control over.  They have relinquished use and control of their money and are now subordinate to the tax policies and rules regulating tax-qualified plans. The rules and the tax rates change frequently and you have no control.  All of the problems associated with traditional planning can be minimized or eliminated with THE TRUE NORTH SOLUTION.

Maybe now you are beginning to understand how a plan that minimizes market risk and wealth transfers, grows tax-deferred, provides income tax-free access to the accumulated cash value, passes income tax-free to your beneficiaries, and just plain provides more liquid wealth is superior to a traditional financial plan.

Life is so uncertain that I believe the main focus of a financial plan is to create more confidence, certainty and happiness in the lives of people we advise.  Many at-risk investments like stocks, bonds, mutual funds, IRAs, or 401(k)s may work out in hindsight, but people will not feel safe making significant, bold choices in other areas of their lives based on the expected performance of these assets because there is little certainty of the outcome.  They will be in wait-and -see mode most of the lives.  Their life will be filled with lost opportunities and the wealth that those opportunities may have created.

What can you expect to accomplish?

  1. Tax Minimization and Control
  2. Risk Mitigation
  3. Retirement Income Maximization





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