"Plans are worthless, but planning is everything” - Dwight D. Eisenhower
Most people believe they've got financial planning handled: You work for X years... ... make Y dollars... You spend this much... save that much... get an assumed return on investment... And if you plug it all into a computer, the algorithm says you're fine. Sound familiar?
You went to a planner (or online calculator), you gave them some numbers, and they gave you a plan.
It's professional, they're accredited, you paid their fee, and they handled it for you.
What's wrong with this picture? It's what everyone does.
You think you've got it handled, but will it work?
As it turns out, you missed what matters most. The plan is just the product.
The process of planning is where all the value is hidden.
Unfortunately, you never did any planning. Your planner (or some online calculator or computer software) gave you a passive, done-for-you solution
Therein lies the problem...
The Difference The process of planning is distinct from the plan that's produced.
The real economic value of planning is the knowledge and insights you gain, and how that knowledge prepares you to make smarter money decisions every day of your life.
There are two problems with conventional financial planning: It's passive... ...and it's "Level-1" knowledge. A conventional approach to financial planning produces conventional results.
Superior results require active involvement in planning by you (not just your planner) that applies advanced knowledge (not just conventional wisdom).
A smart plan is built from the ground up on inviolable mathematical truth (the expectancy and future value equations) because those two equations determine the growth of your money.
Surprisingly, no other planning education has ever done this. My students are amazed how they've never seen it taught this way; yet, it's so intuitively obvious when done correctly.
You then have to adapt the science of financial math to the art of human achievement because people produce results, not math equations.
That's where my two decades of one-on-one coaching experience kicks in. Every financial principle was tested and proven for efficacy over hundreds of client situations, just like yours.
There are no ivory tower theories here - just solutions proven to produce results.
And the whole thing must be interactive and adjust to your changing life conditions, not just be a lifeless document collecting dust on a shelf. Advanced plans include deep diversification principles across strategies, not just conventional asset diversification. Advanced plans include all three asset classes, not just the stocks, bonds, and mutual funds your adviser can sell you. Advanced plans provide for contingencies because the world is constantly changing... and so are you. Advanced plans include multiple layers of risk management, not just conventional asset class diversification. Advanced plans show you how to adjust for unexpected inflation and market adversity. They don't just assume average returns or randomize data (Monte Carlo simulators) that isn't random. You know what to do in each situation as it develops - how to react, what to watch out for, strategic pivots, how to reallocate resources - but only because you prepared through actual planning.
Without advanced learning, you can't know what to do on short notice in every situation. Your actions would be reactive, emotionally driven, random responses that produce sub-optimal results.
You're taking financial actions every day that are compounding over your lifetime to produce your financial outcome. Actions determine results.
Actively learning how to apply advanced planning principles prepares you to make strategically smarter actions that produce reliably greater results. It opens possibilities and breathes new life into your financial future.
The actual document - the plan - is a meaningless end-product because the document produces nothing. Your actions are all that matter.
And no planner can take the required actions for you. You're the one making all of those decisions.
Smart financial planning educates you to make better decisions every day, and that makes all the difference.
Planning to Fail Imagine your goal is to travel from Los Angeles to New York City.
You hire a local, professional travel agent for a plan. Rent a car, Drive east. Spend X hours per day behind the wheel. Assume an average driving speed. Assume normal road conditions. You'll arrive at your destination in 7 days. You have a plan, but it's obviously over-simplified. You intuitively know what's missing from that plan because your life experience gave you advanced "road trip" knowledge to see the gaps. What about the maps? Where to get gas? Reservations for lodging? Best sites to see along the way? Scenic routes vs. interstate highways? Detour contingencies, car repairs, rest days, and on and on? Now, compare your financial plan described above with this over-simplified road-trip plan.
Do you notice the similarity?
That's because they're both oversimplified in the same problematic way. The difference is you have the life experience to see the flaws in the road trip plan, but not the financial plan. You know how to see past the veil in one, but not the other.
It's not your fault. Nobody is born a financial genius. It's specialized knowledge that few possess.
Nearly everyone is operating with conventional financial planning skills - including most professional planners and the financial media - which is why the conventional, oversimplified plan is everywhere.
The Solution
My Expectancy Wealth Planning master course solves that problem by giving you the knowledge required to master your financial future inside-out.
It starts on the inside - your resources, your values, your goals - so that your plan is completely personalized and unique to you. No generic assumptions.
Then it applies those internal truths to the outside - proven financial principles, optimized investment strategies, asset characteristics, all three asset classes (not just the stocks and bonds your planner can sell you), inviolable financial math truths that determine your wealth growth.
You analyze the tradeoffs of alternative choices for your scarce resources, alternative strategies to achieve your goals, figure out the price you have to pay, what commitment looks like to achieve that outcome, how to manage risk, what assumptions underlie each strategy, and so much more.
And finally, you learn to measure your plan against the results you produce so you can correct and adjust like a guided missile that reliably hits its target with precision.
It's a full master course in wealth planning. It's everything that works, and nothing that doesn't, all organized into one cohesive step-by-step system. No contradictions or conflicts of interest.
It's pure education - interactive and fully actionable.
And you can't get this knowledge anywhere else. I know, because I created it.
Every decision you make every day will be impacted by this knowledge because you did the planning. You'll finally know how all the puzzle pieces fit together at a level you never understood before. The result is smarter decisions that take you toward your financial goals faster and with greater efficiency. You'll know how to pivot as the world changes in front of your eyes. You'll know how to adjust with every decision because you planned in advance. You'll know how to sort truth from fiction in all the contradictory financial sales promotions and media noise. You'll know the long-term implications of every short-term decision. You'll know when assumptions get violated and force a new direction. You're financially smart because you did the planning, and your results prove it. You just have to decide where you stand.
Do you want your financial future determined by the conventional, passive, planning approach, or are you willing to expend a reasonable effort to advance your skills.
My “Expectancy Wealth Planning” course takes your knowledge and skill from conventional Level 1 to advanced Level 2.
It's the difference between just having a plan versus a lifetime of decisions based on advanced financial planning knowledge. One changed decision can pay for the course 10 to 100 times over.
“I already have a plan. Why do I need a course? I’ve got it handled.”
I spent two decades coaching clients just like you on this stuff. Trust me, you’re leaving money on the table.
And it's not just the money. There's reduced stress, greater peace of mind, improved clarity, confidence, and so much more.
The cost of this course is incidental to all the value that's at stake.
"Plans are worthless, but planning is everything."
You have only 3 more days to get my Expectancy Wealth Planning master course at the lowest price possible. The price increases from $1475 to $1750 on Saturday at midnight.
I encourage you to read the testimonials on the sales page and look at the Google reviews (linked from the sales page).
Look at what actual community members say. Google reviews can't be manipulated or changed, and they average 4.9 out of 5 stars.
They'll tell you the value of my course far better than I ever could.
This master course in financial planning is a smart business decision because it can put more money in your pocket than it costs. It's knowledge that pays.
And the price will never be lower...
Todd |
