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Client Intention Statement


  • Work to achieve financial security, success, and freedom by:
    • Co-create your maximum wealth potential
    • Protect your economy from threats, risks, and eroding factors
    • Have a vision and strategy based in scientific economic principles


  • Structural integrity of your personal economy:
  1. Maximum wealth protection in all areas at minimum cost
  2. Save 20-30% of gross income every year, in the right places
  3. Optimize liquidity to meet financial life events
  4. Manage debt properly
  5. Build safe/protected money, and capital growth assets
  • Macroeconomic organization and balance of your personal economy (Living Balance Sheet®)


  • All recommendations designed to help achieve your personal objectives and goals
  • All recommendations made with minimal change to your: personal cash flow, lifestyle, ability to save; Will only enhance your future financial outcome
  • Scientific approach: strategies verified by fact, not opinion
  • Plan designed to work under all foreseeable circumstances
  • Organization, Accountability, Objectivity, Proactivity, Education, Relationship

Confidentiality, Shared Commitment and Transparency:

  • Confidentiality agreement:
    • All conversations, information, and data is confidential, protected, and secured
    • Intellectual property—permission to share with others
  • Dual commitment: Our work is only as strong as your follow-through; Better health with wealth requires action
    • Our commitment to your success:
      • Make everything as easy as possible for you—just be present for meetings
      • Oversee all parts of your planning
      • Team approach and coordination (My team and your team; specialists)
      • Ongoing service and updates—maintain integrity of personal economy
    • Requires your commitment to yourself:
      • Mutual 100% level of care for your financial success
      • Open communication: honesty, questions, and updates
      • Coachable, open-minded, responsible, willing to follow expert advice
    • In order to avoid charging a fee, if you understand and approve of the strategies we discuss, trust you to implement the recommendations through us
    • Full transparency—my family’s Living Balance Sheet® is open for you to view

Empowering Others:

  • My “why”—Most people get little, no, or terrible advice and are woefully underprepared for their future; Professional mission is to create maximum value for as many people’s financial objectives and success
  • “Pay it forward”—if you find value in our work, would you be open to sharing your experience with the most successful people you know and care about?


The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2021 Guardian. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Northeast Financial Network, LLC is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OG92396, AR Insurance License #974794. 2021-124245 Exp 07/23