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The Circle of Wealth® system significantly expands the financial advice available to a family beyond the common industry approach used by most financial professionals today. Traditional advice is retirement ‘nest egg’ oriented. Shortfalls are fixed with increased saving budgets and investment allocation adjustments. These ‘fixes’ are often unsustainable by families and retirement portfolios with investments seeking higher rates of returns add increased volatility.

The Circle of Wealth® system expands beyond the traditional approach by introducing the philosophy that most families can better overcome their retirement shortfalls by first avoiding wealth transfers, which are occurring unknowingly and unnecessarily. The Circle of Wealth® system contains analysis and communication tools to help families see their wealth transfers in all areas of their budget. This includes mortgage payments, Qualified Plan contributions, income taxes, non-deductible interest on debt (credit cards, car payments, parent loans), and how they structure and pay for insurance protections.