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Name
Steven Charlton
Title
President & Founder
Bio
The question we often hear is "what is it that we do?" Truthfully, it's not what we do but why we do it that is important. We believe that debt, taxes, and transfers are the three biggest problems facing Americans and their ability to have true success in growing and protecting their wealth from creditors, known and unknown. And it's the unknown ones that do the most damage to us.
Debt robs people of additional spendable income now, and taxes in retirement hurts your spendable income later, transfers leak your money directly out of your plan and you probably don't even know about them. Many people depend solely on a 401(k) to provide retirement income they can't outlive and they may not fully understand the potential issues of paying higher tax rates later in life when they no longer have the ability to generate new income.
So, the answer to the questions of what we do is, we teach my clients their own unique math, which has very little to do with chasing market returns and more about eliminating what is hurting them the most. We offer nothing to sell, unless someone think's that their optimal financial success is something to be purchased.
As a 20-plus-year veteran and Certified Financial Fiduciary® in this industry, I've seen just about everything. But, things get real when it hits close to home. When I reviewed my parent's asset positions, I was surprised and concerned to see how their broker had handled their portfolio, in what appeared to be for the sole purpose of making a dollar. The financial industry has its share of less-than-scrupulous agents and advisors. In addition, some lack the knowledge or product portfolio access to properly assist their clients, and this can put people into undesirable positions. And most simply do not work as a family office, which is a team of experts in all areas of the financial space serving the 5 pillars of true asset protection.
This is why it is of utmost importance at Wisdom Financial to serve our clients as 100% independent advisors. We work for our clients and not the other way around and we do not work for any bank, financial services firm, or carrier. So we are product and solution agnostic and neutral. Each one of our clients is unique, and they deserve to be treated as such.
Remember two things:
1- Wisdom is application of knowledge
2 - When you help yourself, you help someone else.
Debt robs people of additional spendable income now, and taxes in retirement hurts your spendable income later, transfers leak your money directly out of your plan and you probably don't even know about them. Many people depend solely on a 401(k) to provide retirement income they can't outlive and they may not fully understand the potential issues of paying higher tax rates later in life when they no longer have the ability to generate new income.
So, the answer to the questions of what we do is, we teach my clients their own unique math, which has very little to do with chasing market returns and more about eliminating what is hurting them the most. We offer nothing to sell, unless someone think's that their optimal financial success is something to be purchased.
As a 20-plus-year veteran and Certified Financial Fiduciary® in this industry, I've seen just about everything. But, things get real when it hits close to home. When I reviewed my parent's asset positions, I was surprised and concerned to see how their broker had handled their portfolio, in what appeared to be for the sole purpose of making a dollar. The financial industry has its share of less-than-scrupulous agents and advisors. In addition, some lack the knowledge or product portfolio access to properly assist their clients, and this can put people into undesirable positions. And most simply do not work as a family office, which is a team of experts in all areas of the financial space serving the 5 pillars of true asset protection.
This is why it is of utmost importance at Wisdom Financial to serve our clients as 100% independent advisors. We work for our clients and not the other way around and we do not work for any bank, financial services firm, or carrier. So we are product and solution agnostic and neutral. Each one of our clients is unique, and they deserve to be treated as such.
Remember two things:
1- Wisdom is application of knowledge
2 - When you help yourself, you help someone else.
