How we help
Individuals
We Help You Build Wealth
Maximize your probability of success with the least possible risk by using both sides of the balance sheet to achieve superior outcomes.
Build a free financial plan
The best place to start is with your own plan.
In just 5–10 minutes, you can organize your high-level financial picture—no login, no phone number, and no linked accounts required. Over 35,000 people have already given the experience five stars.
Your plan will teach the principles of outcome-based planning and deliver clear, specific, and actionable ideas across both sides of your balance sheet—assets and liabilities.
Once your plan is complete, our Financial Planning AI becomes your on-demand partner. You can chat naturally—by text or voice—to explore questions, test scenarios, or have the AI explain concepts at your level of understanding.
When you’re ready, you can also connect with a professional—never an obligation, always an option—to review your plan or refine your next steps.
Meet with a Balance Sheet Architect
Balance Sheet Architecture is about planning, not selling. Think of it as financial tutoring—a structured conversation focused on understanding and improving your balance sheet, not managing assets or pitching products.
Your Architect’s role is to help you design, not build. The goal is clarity: to use both sides of your balance sheet—assets and liabilities—to minimize stress and improve long-term outcomes. For many people, a single session each year provides enough perspective to guide the decisions that matter most.
If you prefer to plan on your own, your Architect can help frame your thinking. If you work with a professional, they can help refine the conversation.
This is a different form of fee-for-service advice—clean, transparent, and fully aligned with your interests. The decisions you make with debt are among the most important in your financial life. Don’t guess.
Meet with a Balance Sheet Architect →
Explore and Learn on Your Own
Our Knowledge Hub builds on two decades of research in Outcome-Based Planning, Spiral Theory™, and The Value of Debt®. It is designed to help you understand what makes a financial path efficient—and how to apply those insights to your own balance sheet.
The sequence is straightforward:
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Eliminate high-cost debt.
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Establish a cash reserve.
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Build your low-cost growth base. Prioritize reaching that base before accelerating other financial objectives.
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Use structural debt strategically. Maintain low-cost, long-term debt—such as a mortgage—while you build your global equity base. Structural debt enhances path efficiency by allowing your capital to compound in higher-return assets. Only after achieving your target equity allocation plus a cash buffer should you consider paying down principal.
Over time, this process builds a powerful reserve of strategic debt capacity—borrowing power that can be selectively deployed to rebalance or mitigate losses during market downturns.
This framework enables outcomes with 99.99% probabilities of success, achieved not through speculation but through structure. Explore the surface ideas or dive into the underlying components to see how comprehensive balance sheet management transforms long-term results.