Point-of-Choice^TM

The time when you can choose whether or not to work for an earned income

‘The Number’

• Knowing the investment assets and options you’ll need
• Knowing if you are on track now

HXIITM

A compelling formula anyone can master and utilize. You will know your most likely retirement assets and have the best ways to significantly increase the value of those assets.

The Income-For-Life Assets

• Social Security Retirement Income
• BYU Master Retirement Plan
• Reverse Mortgages

Wise choices and often small changes that produce great life options

BYU – 401(K) Multipliers and Matches

R.E.S.I.R.V.^TM

Recurring Expenses we choose not only to Save but to Invest in the Right Investment Vehicles

The Wealth of Great Health^TM

The Smarter Home^TM

Money—It’s on the House^TM

The Fortune in Food^TM

Driving Your Future^TM

Debt—You Owe it to Yourself^TM

Behavioral Intelligence

Financial strategies we know work

Spontaneous Accumulation

Beginning with tools that work when we do not

Influencers—the Power to Change

State-of-the-art research and focus on behavioral traps and high impact behavioral motivators

Financial Intelligence

Well constructed targets and compelling information sources

• Strategies that work—financial service options we know work and how to avoid those that do not

Information that empowers

S.I.O.U.^TM

Surprising Insightful, Objective and User Friendly planning information resources

BYU Planning Options

Sources for knowing how they stack up

Point-of-Choice^TM Targets

The quantifiable targets and why they work

Community Intelligence

Who we listen to; trust; follow; serve; select as marriage and business partners, friends and neighbors; network with; target as clients . . . they really matter

• Prosperous Planning Partners—keys to an abundant and prosperous marriage
• Open-source Planning—The additional momentum from crowd-sourcing communities of prosperity

Spiritual Intelligence

An abundance of scriptural, spiritual and prophetic injunctions to master the disciplines of acquiring, providing and multiplying

Eating, Sleeping and Breathing

The most important first steps

Nobel Prize Winning Investment strategies for success

Five Investment Essentials

e=mc²

A universe of investment options—the power of a straightforward, powerful formula

Ten–Year Rolling Returns

Verifying investment brilliance

BYU Investment Options

Maximizing the most powerful options.
What Warren Buffett says

Traditional or ROTH Contributions

15 comparisons—one solution

MODEL T

The most influential automobile of the 20th century or an innovative model for the management of all investment resources

Remembering, forgetting, protecting and blessing lives
. . . for generations

The Three–Estate Depleting Expenses

Probate, estate taxes, confusion

Nine Fundamental Estate “Documents”

Trusts, wills, power-of-attorney, histories, letters and document finders

The Eight Pillars of a Perpetual Legacy

Lessons we’ve learned from those whose children were blessed with the legacy they received

Four Major Threats to Estate Assets

Knowledge, access, health and informants . . . you’ll be surprised

The Sixteen Pre-Planning Considerations

Preparing to prepare

Legacies That Cost Little or Nothing

The finest gifts

Seeing, believing and maximizing YOUR future

Key historical financial events

Getting to where we are wasn’t easy

The 21st Century

Armageddon, death, Social Security and Medicare—which can I count on?

Fourteen Disturbing Realities

A ‘thief in the night’

Twenty-two Promising Trends

‘Children of light’

So Your Money Has a Death Wish

Avoiding bubbles and bad advice

Alma’s Personal Resource Management Model

Did he really say that?

Social Security and Medicare

BYU and DMBA Planning Options

Life insurance, long-term care, retirement planning—when individual