Student loans, lines of credit, and other debt should be regularly benchmarked. Increasing your credit profile can be just one way to lessen the costs of servicing your obligations.

Growing your resources with the most appropriate asset location, allocation and taxation are necessary to maximize returns vs. risks taken. Dedicated processes and due diligence are needed in an ever changing market and tax environment.

Imagine using your last ounce of energy to climb Mount Everest, with no strategy for returning to home. You save money so you and your loved ones can later enjoy it. Beginning with the end in mind, considering market movements, tax law changes, etc., allows retirement to be far more efficient than beginning with no distribution strategy.

Whether it’s a job loss, death, disability, lawsuit, or property damage, risks to your plan can present themselves at any time. Holding appropriate reserves, insurances, and legal instruments can protect your money… and your future.