… only if it makes sense for you to work with us.

Before we go any further, let’s put all the cards on the table. We don’t work with just anybody, and that’s not because we’re snooty. You see, we may not actually be the right financial advisor for you — you may not like (or benefit from) what we have to offer.

My team and I are not in the business of investing and speculation. We’re not a “roboadvisor” and we don’t use complex algorithms or proprietary trading schemes to manage your money. We’re not part of the trendy new “fee-only” financial planning movement either.

There’s no fancy office you can come and visit and we don’t give away free coffee and bagels.

We don’t do free dinner seminars, wine tastings, or golf events.

We don’t offer free identity theft protection and we don’t have a rewards program.

We don’t offer free financial account aggregation and the only client portals we offer are so you can keep tabs on the money you give us and to learn more about the companies you’ll be doing business with.

We won’t take you out for your 80th birthday and we won’t help you plan your summer vacation or help you shop for airfare and hotels.

It’s not that we don’t care about our clients. We do. We very much do.

We just don’t believe in buying you gifts with your own money like other advisors and firms do. Some people don’t mind that. We do.

There’s no such thing as a free lunch. Someone has to pay for all those “free” perks, and that someone is the client.

So anyway… enough about what we don’t do.

Here’s what we will do:

If you do business with Monegenix®, and follow through on our advice, you will protect your income against premature death and grow your savings using a remarkably simple and effective insurance and savings plan that we design specifically for you and your unique financial situation. This plan will help you do a better job budgeting, insuring, saving, and planning for your future.

You’ll save more money while simplifying your finances through a unique reserve-based budgeting system, insure your income against loss due to death, but you’ll also be protected while you’re alive.

Life is naturally full of uncertainties, but… you can turn those uncertainties into known, future outcomes using life insurance, reserve budgeting, annuities, and income planning and that is why our focus is on something we call “insurance-based financial planning.”

It’s not a specific product as much as it is a methodology and planning strategy that uses various software apps and insurance products as strategic tools to help you achieve your financial goals.

Your savings will be guaranteed against loss, and some of our custom life insurance plans can help you finance your own business expenses or an investment or maybe just a much-needed vacation… you’ll become less reliant on banks and credit cards. Your insurance and savings plan will even protect you if you become sick or develop a terminal illness.

And if you only want temporary (term) insurance coverage, we’ll help you design a plan that can be converted to cash before you die, so you don’t waste years of premium payments.

But, plan design is just the beginning. You’ll have questions and we’ll have your back. We provide ongoing service for as long as you’re a client. And, when you become a client, you’ll have access to myself and my team via email, phone, or video and when you call us, a real, live, human being answers the phone.

When you work with us, we’ll also show you how to pay off debt and achieve all your important financial goals while eliminating the risk of losing your savings before you need it. In most cases, you won’t have to change your current lifestyle to accomplish this.

And, unlike most financial planners and insurance advisors, we do not believe you have to make personal sacrifices to become financially secure and independent.

“Sacrifice” means to give up something valuable for something less valuable, and we think that makes success and achievement impossible.

So, instead, we adopt a different approach. You’ll have a savings plan you can use before retirement and… if you never want to retire, that’s fine too. Your insurance and savings plan is flexible enough to use pretty much any way you want.

It’s hard to be financially secure if your income and savings is always at risk so we figure out how much you can objectively afford to lose so you can remove anything below that threshold from risky or non-guaranteed assets.

If you lose your job, or if the economy tanks, you’ll be fine. And when times are good, you’ll have access to your savings to seize amazing opportunities that others cannot.

It’s a “simple, boring, but effective” approach to financial planning and one that runs counter to mainstream financial advice. We understand that might not be what you’re looking for and that’s fine.

Then again, it might be exactly what you need.