Debt is a huge problem: college debt, credit card debt, mortgages, auto loans. Debt is a massive, future-robbing dragon. But there is a way out without gimmicks or eating ramen noodles for 5 years.

We take good ideas and make them better. Are you familiar with Dave Ramsey's "debt snowball" method? It's a good starting point but it has a major flaw. We keep the good but eliminate the weaknesses.

This is the Debt Snowball Method: first you attack your smallest debt with as much money as possible and make minimum payments on everything else. Next, after the smallest debt is done, you roll the payments you had been making into your next highest debt until it's done. With each debt you retire, you roll the payments into the nect highest obligation. You do this until all debt is eliminated.

Happy day, right? Well, for a while.

Here's the flaw: Many families lack cash reserves after paying off debt aggressively. So when an emergency happens or life throws a curve ball (like fixing the roof, replacing a car, or unexpected orthodontist bills) and a family lacks reserves, they often borrow money again... and the debt cycle starts all over.

But with a small improvement to the Snowball strategy you can get totally out of debt and build capital at the same time -- without risk or gimmicks and without juggling zero-percent credit cards.

Paying for college is a game, but not the fun kind. Most people have no idea how college finance really works.

Conventional pay-for-college plans result in too much debt and paying too much for college. There's nothing wrong with helping kids get educated, but why pay far more than you should?

Some of the most popular college funding tools have major downsides -- but the advertisers for these products are certainly not going to tell you.

Typical college payment plans cause financial stress near-term and smaller retirement long-term. You do not have to endure this. Our strategies, based on how college systems really work, change this cycle.

You can send your kids to college -- even the top schools -- without losing your shirt!

Play the game right and your future self will thank you and take you out to dinner...but that's okay because you'll have the money for it.

Boomers and Gen-X retirees, and pre-retirees, face pivotal choices. Many are finding (many the hard way) that retirement investing and retirement income are not the same thing.

Wall Street advertising promises that you can grow your way to retirement happiness.  The problem? It works until it doesn't.

Do you really want to spend your retirement worrying about 'what if' scenarios: What if the market crashes? What happens if you have an unexpected illness? What happens if taxes go up more than you expect? Even if these things never happen, why spend your retirement worrying that they might?

Our strategies that work no matter what the stock market does. Your money should last as long as you do -- while you maintain plenty of opportunity for growth.

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We help with many more situations but these three biggies can impact your future permanently. By using sound strategies you experience better results than the 'Average Joe & Jane' who trusted conventional wisdom and financial advertising.

We start by asking the right questions and make no assumptions -- each plan is unique because each family's goals and resources are unique. Our process is transparent, collaborative, and data-driven.