Permanent Value

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Freedom. The option to work…or not. Security. Confidence that your loved ones are properly cared for. Money is intrinsically connected to your well-being, your health, your subconscious. It is our belief that when your values and goals are integrated into a fully implemented plan, you are able to live a powerful life that will touch, move, and inspire others.


Think about the ideal lifestyle you would like to have once you reach financial independence…

… will you be a traveler (see the pyramids, the great wall), an artist (photography, woodwork), an athlete (golfer, or a season ticket holder), a volunteer etc. Regardless of how you choose to live those years, you’re going to depend on the cash flow producing assets you accumulated throughout your working years. It is important to take the first step today towards acquiring the cash flow producing assets you need to be financially independent. Our advisers are here to help you take that first step.

Did you know?

  • 1 in 3 Americans have $0 saved for retirement
  • 56% have less than $10,000 saved for retirement
  • Women are more likely than men to have no or little retirement savings
  • Millennials are 50 % more likely to not have retirement savings than people aged 55 or over
  • About 75% of Americans over 40 are behind on saving for retirement

What Retirement without Savings Looks Like-

  1. You’ll need to live off your Social Security benefits.
    • The average monthly social security payment to retired workers is $1,341 in 2016.
  2. You might have to get a roommate
    • You might need to move in with your adult children!
  3. You may have to severely alter your lifestyle and spending
  4. You might have to continue working
  5. You’ll need to consider downsizing
    • Selling the big house and downgrading to smaller or more affordable living arrangements

How you can live your ideal lifestyle-

  • In your 20s:  At this point in your life, expenses are so low you can manage to get 3 cash flow producing properties.
  • In your 30s: You should buy 2 investment properties before buying your first home.
  • In your 40s and 50s: Complete your financial independence goals and begin preparing your child in college for their own financial independence.

Sources: Todd Campbell- Motley Fool, Elyssa Kirkham- Time, Paul Sisolak- Huffington Post