Financial planning and education (without the jargon) I Creating blueprints for high-earning sales executives and business owners

I left the financial industry because I saw a problem.

People wanted to work with a planner, but they ended up becoming a number on a spreadsheet.

I had to leave to start something new.

And now?

I'm a fee-only planner who helps salespeople & equity compensated employees under 45 give a purpose to their paycheck.

I left the large financial institutions to start my own independent company. I did it so people could pay for real planning and not just an agenda to sell a hidden product. 

As a true fiduciary, Pashman Financial, LLC was built on that promise by focusing on you and you only.

🔵 Why people hire me? 

Well, people have come to me with the following problems:

- They want peace of mind with their money
- Their old advisor barely communicates with them
- They want an answer tailored to them, not from Google
- They felt pressured to buy a product that wasn't a right fit
- They are great at making money but struggle to keep it
- They want a simple plan that's easy to understand
- They want someone to hold them accountable
- They want someone they can trust

🔵 What are my services?

I help identify your goals, craft a financial blueprint that lays out action items to hit them, and monitor your progress. 

💵 Cash Flow Management  
📈 Equity Compensation
🏡 Real Estate Planning
📊 Investment Planning
📍 Retirement Planning
🛡 Insurance Planning
📚 Education Planning
💲 Tax Management
💳 Debt Repayment
📃 Estate Planning

🔵 Who do I serve?

Age: Individuals and families between 30-50 years old
Target: Sales pros, tech employees, other millennial families
Location: Virtually anywhere in the U.S.

But I love working with people that are driven to make a change. So even if you don’t fit these criteria, feel free to reach out. Your personality is everything. 

🔵 Why I'm different?

1) My model is primarily a flat fee service. No time trap. 

2) I do not require you to hand over your investments nor require a minimum to work with. Managing your assets is optional and I'll still assist you if you do it yourself. My focus is ongoing financial planning. 

3) I focus on how to increase your cash flow, not just your assets. I work with you to ensure your systems are set and consistently educate you on how your finances work. I get paid to truly keep you accountable over time.

You can find my pricing in my "featured" section on the website. 

Stop delaying action. Shoot me a message to schedule a complimentary intro.

Max Pashman, CFP®

70% of millionaires currently work with a financial advisor. 

Here's why many end up hiring one. 

They realize that financial planning is more than just a return. 

They also realize they have limited time on their hands. 

Like business owners, they outsource their skills

But there's so much than "what do i invest":

It's about:

- Goal Planning
- Debt Repayment
- Ongoing Education
- Emergency Fund Building
- Cash Flow Management
- Equity Comp. Planning
- Charitable Strategies
- Investment Planning
- Education Planning
- Insurance Planning
- Estate Planning
- Exit Planning
- Tax Planning
- Etc. 

And if your financial planner isn't addressing these properly with you?

It may be time to find a new one.

Helping Founders and Executives Plan for Early Retirement and Exit

If you have less than $100k, you shouldn't focus on returns.

In fact, it's a waste of your time. Here's why:

Charlie Munger once said:

"The first $100,000 is a b****.... but you gotta do it"

He wasn't talking about just returns, though. 

He was talking about your income. 

How quickly can you get it up there with your paycheck? 

In other words, what you save versus what you return. 

Just look at this example:

A 100% return on $1,000 is $1,000.

But a 10% return on $100,000 is $10,000.

10X less the return, yet 10x the dollar amount. 

And here's the best part about this. 

It's much easier to do the latter. 

In other words, it's much easier to save to $100,000 than trying to get a 1,000% return on an investment.

Not easy, but not impossible either. 

So if you haven't hit that number?

Focus on your savings rate. 

Not just your returns.

The market can wait.

If you grew up watching any of these as a kid:

- Spongebob
- Hey Arnold
- Powerpuff Girls
- That's So Raven
- Boy Meets World
- Hannah Montana
- Dexters Laboratory
- The Magic School Bus
- Fresh Prince of Bel-Air
- Fairly Odd Parents
- Wild Thornberrys
- Jimmy Neutron
- Lizzie McQuire
- Ed Edd n Eddy
- Dragon Ball Z
- Pokemon
- Yu Gi Oh
- All That
- Catdog
- Rugrats
- Arthur
- Doug

It's time to open up a Roth IRA.

75% of Americans regret not investing earlier. 
 
Here is the power of starting early (and the cost of waiting):
 
What you see in the illustration are 4 people: 
 
- 20 year old 
- 30 year old 
- 40 year old 
- 50 year old 
 
Now, as you get older, your income increases. 
 
Therefore, each generation can contribute more. 
 
So I ran a quick calculation. 
 
For ever 10 years, double the contributions. 
 
You can contribute more, but have less time to invest. 
 
Assuming an average return of 7%? 
 
The results are simply remarkable. 
 
A 20-year-old who is dedicated to starting early can outperform those with higher contributions. 
 
That doesn't mean high contributions don't matter. 
 
They absolutely do! 
Especially early on your journey. 
The difference, though, is returns helped. 
 
Over time, those returns made a difference thanks to time. 
 
It's really simple, but holds a huge lesson. 
 
There is power getting off to a good start. 

You should have started sooner. 

But you aren't too late.
 
Don't wait any longer!

Most don't realize they could put up to $72,000 in a Roth. 

Here's the "Mega Backdoor Roth" explained:

Compared to the IRA, the 401 k) has a couple of advantages, including: 
 
- Larger contribution limitations 
- Matching contributions 
- No income limitation 
 
In addition, it still offers a Roth component. 
 
But the part people overlook? 
 
The total contribution limit. 
 
On the employee side, it's $24,500 (2026).
 
Combined with the employer side it's $72,000. 
 
But there is another secret in it. 
 
If your employer allows it, they may permit additional after-tax contributions. 
 
This is taking additional income that has already been taxed and contributing it to a 401(k). 
 
For example: 
 
If the employee contributes $24,500 and the match is $7,500, that's $32,000. 
 
$72,000-$32,000 = $40,000
 
The employee can contribute an extra amount into there. 
 
But that's not where the magic happens. 
 
The magic is what you can do after. 
 
These contributions can be converted to a Roth account. 
 
This can happen in two ways: 
 
1) In-Service Distribution: Make an after-tax contribution + transfer it to an outside Roth IRA 
 
Or 
 
2) In-Plan Roth Conversion: Make after-tax contribution + transfer funds to the Roth 401k of plan 
 
Once again, your employer must allow both after-tax contributions and this type of transfer so check with them first. 
 
This strategy make large contributions to a tax-free account of this size is well known as a "Mega BackDoor Roth". 
 
It's a complicated process so always be sure to coordinate this with a financial professional. 
 
If you're looking to make great strides towards building your future, this is an option you shouldn't overlook. 
 
It's a great vehicle for financial independence.

Note: This is purely educational and should not be considered financial or tax advice. Consult with a professional on your situation before implementing this.

A $300,000+ earner with less than $15,000.

As a financial planner, I've seen more of these inquiries over the last year.

I can't stress this simple message to you all enough:

High income will take you to the next stage of your life. 

Zero planning around it will reverse that.

So when you get a bump in income…

What’s your game plan?

Let’s hear it.

Them: The 401(k) is a scam! 
 
Me: Why do you think that?
 
Them: It's locked until you are 60! 
 
Me: You can get it out early with strategies like 72(t), Rule of 55, Roth Conversion Ladder, and many other reasons. 
 
Them: Well it has high fees! 
 
Me: New 401k providers offer low-cost plans + low-cost funds and you can roll it out later if you really don't like it when you leave. 
 
Them: Well it has limitations! 
 
Me: Yeah but you're talking about $24,500 (2026) for a year, not including the match you get. 
 
Them: Well, the match has a vesting period! 
 
Me: So does equity. It's an incentive and still FREE money in the end. 
 
Them: Well, it was created to supplement your retirement, not fully fund it. 
 
Me: I agree. That's why you don't put all your wealth into a single vehicle and utilize multiple to your advantage.
 
Them: Yeah, well, it's taxed as income at retirement! 
 
Me: Yeah, that's precisely why you get a deduction upfront, and your funds grow tax-deferred, which helps retain wealth over time rather than tax sales and income each year. 
 
Them: Yeah well.... it still sucks! 
 
 
 
Not as many as the excuses made against the 401(k). 
 
It ain't all that bad as people make it to be. 
 
No one claims it will solve all your problems. 
 
But it's not a scam.

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pashman-financial-llc

schooloffinances

Cutting your Netflix subscription will make you a millionaire.

Here's how you can do it in a year:

- Cut the $18
- Take the $18 and invest it
- Get a return of 5,555,456%

Boom. You've got $1 million

Why aren't more Millennials doing this?

Make too much income for a Roth IRA? 
 
Here's how to get around it legally (Updated for 2026!)
 
First, what's the problem? 
 
The Roth IRA is a great vehicle for tax-free growth. 
 
But there are income limitations. 
 
For 2026, those limitations are as follows: 
 
- $153,000 for single filers 
- $242,000 for married filing jointly 
- $0 married filing separately
 
Make above these amounts? 
 
They get phased out or entirely ineligible. 
 
So what to do? 
 
Instead, you could contribute to the Traditional IRA. 
 
But are you contributing to a 401k? 
 
Those deductions might also phase out! 
 
This seems like a lose-lose scenario. 
 
But it opens for an opportunity. 
 
The good news is that you can use the IRA to fund a Roth IRA. 
 
This is known as a Backdoor Roth IRA. 
 
Here's what you could do: 

FIRST: Move all existing IRA money into an employer plan like a 401k. 
 
1) Open a Traditional IRA & Roth IRA 
2) Fund the Traditional IRA 
3) Do NOT invest the funds 
4) Initiate a Roth Conversion into the New Roth IRA 
5) Elect not to withhold taxes 
6) Invest in the Roth IRA 
7) File Form 8606 to show non-deduction in Traditional IRA 
 
This process is why having a Roth 401k is pretty handy: you can make any contribution with no income limitations. 

Remember, this is purely educational and is shown here for simplicity.
 
This is not financial or tax advice, so please consult with a financial and tax professional first.
 
But the door is open for tax-free money!

You've gotta find the right key.

Note: This is purely educational and not financial or tax advice. Seek a professional before acting on any of the information.

80% of their thoughts are on things they can’t control.

Here's why it's a losing choice:

If you spend all your time focusing on the things you can't control, you're investing in a losing strategy.

We see it all the time with money:

You can't control return rates.
But you can control savings rates.

You can't control tax laws.
But you can control tax planning.

You can't control interest rates.
But you can control your credit score.

You can't control contribution limits.
But you can control diversifying accounts.

You can't control risk of an asset.
But you can control your asset allocation.

You can't control when an emergency will happen.
But you can control the management of your short-term reserves.

You can't control tuition prices.
But you can control which vehicles to choose.

You can't control social security reserves.
But you can control your retirement vehicles.

You can't control inflation.
But you can control where your cash gets parked.

You can't control your death.
But you can control your estate plan.



Want to know why we do financial planning?

Because life is usually out of our control.

Your plan gives you the steering wheel.

Up to you how you steer with it.

Don't sleep on the wheel.

Let's normalize not having everything figured out by your 30s.

Purchasing a home without running the numbers is a coin flip. 

Yet, this is exactly how 99% of people do it.

They'll just look at what the bank will allow them to get.

But they don't look at your numbers:

- Your goals
- Your expenses
- Your future maintenance
- Your potential new furniture
- Your phantom costs not disclosed

And no, going with the notion that "it will pay off later" is not a good strategy. 

Please run the numbers before executing on a home purchase. 

You'd be surprised how unprepared some are for it.

It's not like you can change your mind very easily.

After all, it's only 30 years you are stuck with it...

If your business goes to zero, you close your doors.

If the stock you own goes to zero, they close their doors. 

If the index fund you own goes to zero, money is no longer a problem. 

Now take a look at these three and answer one question:

Which of the downsides is more likely to occur?

High reward comes with high risk. 

It's not about not taking risk. 

It's about managing it.

Welcome to Risk 101.

You can make 7 figures of income. 
 
But it's all useless without this: 
 
"The art is not in making money, but keeping it" 
 
This is especially true with HENRY's. 
 
What is a HENRY? 
 
→ H-igh 
→ E-arner 
→ N-ot 
→ R-ich 
→ Y-et 
 
I've seen this with many cases of successful business owners and tech executives. 
 
Lots of talented people making fantastic revenue and income. 
 
But not many of them without a game plan to keep it. 
 
The culprit is usually simple: 
 
Lack of financial planning. 
 
Without clarity, you don't know what to do with what you earn. 
 
You worked hard to earn your income. 
 
Now make it work harder for you to grow. 
 
But you don't have to struggle at it alone. 
 
If you do, you might need help at it.

"My commissions are taxed at a higher rate"

Not true always. Why is it wrong?

Let's look at an example here.

Selling Sally works hard at her job.

She typically gets half in salary and half in commissions.

She’s hit her quota and is excited for those commissions to kick in.

But when she checks her paycheck, she notices something…

Her commissions were "taxed" at a lower rate than her salary.

At first, this seems great, more money in her bank account!

But then, tax season arrives.

After filing her taxes, her accountant lets her know she owes a massive tax bill!

Now she's frustrated that she has to write a big check and wonders:

Did something go wrong with her return?
Did she get taxed more than expected?
Did she get hit with some penalty?
Nope.

She owes more because her employer withheld less than she actually owed.

And that's the key word here: withheld.

Whenever you have monthly income like a salary, it’s considered “regular,” which gets taxed progressively like usual.

But whenever you have irregular income like:

Awards
Bonuses
Commissions
Equity Compensation
Or anything that doesn’t pay monthly
…it’s considered “supplemental.”

And these irregular forms of income are withheld at different flat rates by default.

For commissions, the default withholding is 22% for the first $1 million and 37% for any amount beyond that (Federal rate for 2025).

This is just withholding, not the actual tax owed.

Since Sally makes $500,000, her actual marginal tax rate is 35%.

But her commissions were only withheld at 22%, which wasn’t enough.

So instead of getting a refund, she ended up owing the difference at tax time.

She didn’t pay more for her commissions.

She just had less withheld than owed.

Big difference!

(Sally is a hypothetical example, but you get the point)

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Talks about #money, #wealth, #investing, #personalfinance, and #financialplanning

I don't know who needs to hear this, but just because you can afford the down payment for a home doesn't mean you can afford the mortgage payments. 

☝ Read that again

For the love of g*d, stop using absolutes with your finances:

You don't need to max your 401(k).
But don't leave your match behind.

You don't always need life insurance.
But you should get coverage for your family.

You don't need live on the edge.
But you should know your limits.

You don't need to invest everything.
But you should understand your timeline.

You don't need to open a 529 for your kid.
But you should prepare to support them eventually.

You don't need to have a strict budget.
But you don't have to live a Ramsey life either.

You don't have to pay off all your debt now.
But you don't have to completely avoid it either.

You don’t need to own a home.
But you should have a housing plan.

You don’t need to pick individual stocks.
But you should understand what you own.

You don’t need to retire and quit work all together.
But you should build the option to choose your path.

You don’t need multiple income streams.
But you should protect against a single point of failure.

Read what you want and take advice from whoever. 

But your situation is not black-and-white. 

Stop thinking like it too.

Your child can borrow to pay their tuition costs. 

But you cannot borrow to pay your retirement costs. 

Remember this as you prioritize where your wealth goes.

Friendly Reminder: Robinhood is not meant for you to create a strategic means of creating wealth. 

It's a place to mess around with your "F*** You" money.

Big difference.

Christian Family’s Financial Guide 🙏 Read my bio and see how… Be Radically Intentional 👊 Accepting new clients: generous families/businesses

🔷When I gave my life to Christ everything changed. 🔷

I knew my life needed to be oriented towards Him.

Not just on Sundays-everyday and in each area of my life. 

Including finances, family, work… everything.

Now, I help families realign their finances. 
Making heaven and impact the goal. Not just wealth.

🔹 Why families hire me? 🔹 

- They want peace of mind with their money 
- They want someone w shared values and goals
- They want to leave a lasting legacy more than money
- They want an answer tailored to them, not from Google 
- They built up a financial junk drawer and need a plan
- They want a clear plan that's easy to understand 
- They want someone to hold them accountable 
- They want someone they can trust

🔹 How we help 🔹 

I help Christian families define their family vision, organize their financial junk drawer, and realign their resources towards their mission through:  

💵 Cash Flow Management  
👼 Planned giving strategy 
🏡 Real Estate Planning 
📊 Investment Planning 
📍 Retirement Planning 
🛡 Insurance Planning 
📚 Education Planning 
🙏Legacy Planning
📃 Estate Planning
💲 Tax efficiency

🔹 What meeting is like 🔹

Financial planning shouldn’t feel like an interrogation. 
It should feel like a family dinner. 

 A place where:
 
- We learn 
- We get to the heart 
- We have open dialogue 
- We act with confidence and accountability


If you're a Christian family 👨‍👩‍👧‍👦 looking to realign your finances send me a message.

Your family is too important to wait.

I'm here when you're ready.
But until then, you're in my prayers.

God Bless you,

Jack 🙏

Jack Ziegler III

In your life, you’ll have different moments where Jesus is asking you to trust him.

These are painful moments.

Moments where our illusion of control has been shattered.

Our sense of security… threatened.
We don’t know whats next. 
Or how it’ll all work out.

All we hear is a whisper…

“Jack, will you trust me?”

It’ll be so tempting to say no. 
So difficult to act with Faith. 

Sometimes, that’s all we have left. 

“Lord, where else shall I go? You have the words of eternal life”

Choosing to trust wholeheartedly in these impossible moments brings a wave of peace that makes no sense.

I Remember it well in my life.

When I had this conversation with Jesus.

Just after being diagnosed with cancer a second time and finding out my wife was pregnant in the same week.

Nowhere to hide. 
Only one place to go.
To the arms of Jesus with complete trust.

What a gift to experience this and come out on the other side to see how trust in Jesus leads to greater life in him.

Cancer free, healthy baby, thriving business.
All by his grace. 

You will have a chance to experience this.

Praying for you that you choose trust when the chance comes.

The reason for our hope is not because we’re promised it should be easy

It’s that we’re promised, he’s with us in every cross, and that every cross leads to a resurrection.

God bless you,

Jack 🙏

Jack Ziegler III, CFP®

Christian Families CFP® Accomplish Radically Intentional Goals Generous families 35-55 See my Featured Section for Resources 👇 Read my bio to see if we're a fit.

No alternative text description for this image

Generational wealth does NOT have to cost Millions of dollars. 

It DOES have to be radically intentional.

graphical user interface, text, application, chat or text message

First I thought I needed $100k income.
Then the first hire
Then 100k invested
Then the dream home
Then another sales person
Then $1M+ of revenue

And then… I could be at peace.
Then… I could know that Jesus is in control.

It wasn’t something I consciously did.
But it was where my mental energy was.

My focus locked on different targets…
Instead of my eyes fixed on Him.

Not surprisingly, I’d feel like I was drowning.
Like Peter walking on water and then falling as soon as I take my eyes off Christ. 


More and more I’m convinced of this:

All good things in life come from trusting Jesus. 

When we’re trusting Him,
Paying attention to what He’s saying to us,
And following daily as He calls,
We can’t go wrong. 

So, if you feel like you’re drowning,
Pick your head up and look into the eyes of Jesus. 

With Him you can walk on water.

If you’re walking on water.
Keep your eyes fixed on Him. 
And give Him all the glory!

God bless you,

Jack 🙏

Picture this: retired at 61. $2.6M saved.
Small condo. Downsized. Simplified.
But now family visits are once a year…

If you’re 62 and see kids once a year
And live to 82 you have 20 visits left.

20+ yrs seems like plenty of time until you count the visits left

20 Christmases. 
20 conversations. 
20 memories.

You’d never believe it’s that few.
Until suddenly it is.

Instead: Bought the lake house. $880K. 5 bedrooms.

Family thought they were crazy.
“Why do two people need 5 bedrooms?”

Here’s why:

Summer week 1: Daughter’s family. 4 days.
Summer week 4: Son’s family. 5 days.
Fall weekend: Both families. Thanksgiving early.
Christmas: Everyone. 10+ people under one roof.


Grandkids learned to fish off their dock.
Daughters-in-law became actual friends.
Sons taught their kids to waterski.

Age 72: 11 years of memories. 
Hundreds of dinners.
Thousands of conversations. Priceless.

Your retirement isn’t just about you.
It’s about being the center your family orbits around.

If you’re 55+ and planning retirement, ask:

“Are we building for convenience or connection?”

Because if your parents are 60 and you see them once a year, you might have 20 visits left.

Make yours count. 
Set the precedent for your kids when they’re in your shoes. 

DM me. We help families build financial plans that fund connection, not just comfort.

The prosperity gospel lie:

- God wants you wealthy and comfortable
- Faith = financial success
- Rich Christians are more blessed
- Money proves God’s favor

The poverty gospel lie:

- Godly people should be poor
- Money corrupts your faith
- Wealth makes you prideful
- Rich Christians aren’t spiritual

The biblical truth:

- God gives resources for kingdom purposes
- Wealth is a responsibility, not a reward
- Money amplifies who you already are
- Rich Christians are called to great faithfulness

Stop feeling guilty about your success.
Stop assuming it makes you more spiritual.

Your wealth isn’t about you.
It’s about what God wants to do through you.

Be humble with your blessings.
Be bold with your stewardship.

Imagine Christians unafraid to build wealth
And boldly stewarding that towards the kingdom…

Continue that for generations. 
That’s how you baptize finances. 

All for the glory of God!

God bless you,

Jack 🙏

Mark hits $800K income at 48.
Finally “made it.”
Buys the lake house. $1.2M.
Upgrades to the German SUV. $95K.
Private school for both kids. $50K/year.

His calendar fills with:

	•	Board meetings
	•	Client dinners
	•	Weekend property maintenance
	•	Stress about keeping it all going

Age 53 no debt $2.5M + invested. 

Not sure what else they’re saving for. 
6 years left before kids are out of the house. 
Church involvement: check writer only.

This verse hits different now:

“What good is it for someone to gain the whole world, yet forfeit their soul?”

Not because they aren’t faithful or close to God, but because none of the old playbooks fit them anymore. 

Every dollar used to have a purpose.
Now? Not sure what God wants to do with these blessings. 

The gap isn’t financial. 
It’s more about:

1. Discerning Gods direction.
2. Building a radically intentional plan to follow him. 
3. Continuing to surrender it all to Him. 

The truly wealthy families don’t chase bigger barns.

They build a plan that reflects what actually matters.

Before the money decides for them.

$250k salary + $70k in stock compensation.
5 kids. Pastor on weekends.
And a $50,000 DIY tax mistake.

This dad was doing everything right.

Faithful at work. 
Faithful at church. 
Faithful at home.

But doing his own taxes?
Not so much.

I was reviewing his returns when something caught my eye.

RSU cost basis: Wrong.
Every. Single. Year.

He was paying taxes on gains that didn’t exist.

Double taxation on the same income.

“Wait,” I said. “Let me double-check this…”

Two years of DIY returns.
Same mistake. Multiple times.
The IRS had been getting paid twice.

On money that was already taxed as income.
His reaction when I explained it?

“You’re telling me I’ve been overpaying by $25k annually?”

Yes. For two years.

“But TurboTax said—”
TurboTax doesn’t know RSUs like it should.

Sometimes God’s provision comes through getting the right help.

CPA filed the amended returns.

$50,000 refund coming.

That’s college tuition.
That’s breathing room.
That’s faithful stewardship recovered.

With 5 kids and weekend ministry, every dollar matters.

Especially the ones you’ve already earned.

When was the last time a professional actually reviewed your DIY strategy?

God bless you,

Jack 🙏

♻️ Share with a family doing their own taxes.
🔔 Follow for strategies that keep your money working for your mission

I want my boys to hear this message often and deeply. 

1. You are mine
2. I love you 
3. I am proud of you

Not because of your accomplishments. 
Because you are my son and I love you.

This is the God given formula to speak to our sons. 

“This is my beloved son with whom I am well pleased.”

God the father spoke these words over his Son Jesus Christ… 

Before his public ministry. 
Before the signs and wonders and miracles.
Before his passion, death, and resurrection.

Whatever way you can…
Give this message to your kids today. 
Through a text, a letter, a call, whatever. 
They need to hear it! They need to know it!

I’m always shocked by how God provides when we take a leap of faith.

Last year:

- Emily stopped her part time job
- We bought a house and did repairs
- Little Joseph joined the family
- I hired a couple of coaches
- We hired a new associate
- My brother Matt joined us

Each of these alone felt like a big change. 

I’d be lying if I said it didn’t stress me out.

______

I knew these were all good and necessary.
It’s where God was leading us without a doubt.

But that’s doesn’t mean it isn’t nerve wracking.

That’s where faith comes in. 
To share this all with the Lord and pray:

“Jesus, I’m trying to trust you. I believe you’re with me. I want to follow you and lead my family to you. There is so much out of my control. I give you my best and surrender the rest to you”


It wasn’t all at once, but I’ve watched him provide so perfectly. 

1. Hit a record revenue yr and set to grow by 70% this yr.
2. New hires are unbelievably great (raise)
(Don’t tell Matthew Ziegler ) 
3. Renewed coaching contract
4. Emily, JP, and Joseph are thriving 

He provides often in the exact measure our heart needs to be closest to Him. 

God you are so good. Why do I doubt you? 

“Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. 

Are you not much more valuable than they? Can any one of you by worrying add a single hour to your life?”

- Matthew 6:26-27

Whatever leap of faith you’re considering,
If it will lead your family closer to God,
Take the leap and Trust.

God bless you,

Jack 🙏

Two Executives laid off at 58. 
5 yrs from retirement.
Severance: 6 months. $195K each.
Guy #1: Lifestyle $285K/year. 
Mortgage: $6,800/month. Retirement:  $740K.
By June : 80 applications. Zero offers. Panic.
Age 68: Still working. Because he has to.

Guy #2 : Lifestyle $190k on $420K income. No mortgage. Doesn’t panic. Prays. Waits.
Retirement: $2.6M. Actually feels possible.
June: Realizes he doesn’t need to go back.
August: Early retirement at 55. Part time work $40k/yr.
Age 68: Living the life Jim is still chasing.

The difference: years of preparation.

Here’s some brutal truth: 

The layoff doesn’t ruin you…
The decades before do and your intentionality afterwards. 

You can’t control when work ends.
You can control what happens when it does.

Margin isn’t built in crisis. 
It’s built in the mundane Tuesday decisions.

DM me. We build financial plans that survive the unexpected.

P.S. sometimes a lay off is the course correction we need to simplicity and re-finding what matters most. 

Can still play out beautifully but takes intentionality

Honestly this picture of my family is a big part of how I see wealth. 

My grandmother surrounded by her family. 

7 kids. 34 grandkids. 20+ great grandkids.

A beautiful, messy, faith filled, love filled family. 

A majority of the family still gets together several times a year. 

They ALL adore Mom Mom and listen to the wisdom she passes down.

The levels of wealth:

1. Survive
2. Pay the bills, save a little
3. Financial Freedom
4. Afford luxury
5. Generational wealth
6. Show off
7. Massive impact

The most common mistakes?

- getting stuck at 2
- skipping 3 
- prioritizing 4 over 5
- spending any amount of energy on 6

What do you think of this list?

What would you add?

Our team helps Christian families optimize for 3, 5, and 7. 

All the places where families thrive and aim at heaven!

Income jumped from $285K - $480K in 3 yrs
Debt paid off. ✓
401k maxed. ✓
Emergency fund loaded. ✓
Saving $8K/month. ✓

But asking: “Now what?”

Money piling up in savings. 
No clear purpose.

You’re doing everything right. 
But it feels aimless.

Here’s what I’ve noticed with families at this inflection point:

Without a plan, three things happen:

1.	Lifestyle quietly inflates to match income
2.	Savings grow but aren’t assigned to mission
3.	You hit 60 with $4M and no idea what it’s for

Here’s an example of how to map it out:

∙	$2k/m → Kids/ Grandkids college fund
∙	$1k/m → Legacy 
∙	$1k/m → Kids house down pmt fund
∙	1st 6 figure gift to donor advised fund→ increased giving church endowment
∙	$2k/m → Early retirement fund (Age 55 target)
∙   $2k/m → Sabbatical, mission trips and vacation fund

Same savings rate. 
Now every dollar has a name and a purpose.

Age 55: Retired. 
$300k endowment funds missionaries annually.
Grandkids’ college: fully funded.

The issue isn’t more income. 
It’s unclear stewardship.

You’ve been faithful getting here.
Don’t waste it by drifting through what’s next.

DM me. We turn surplus into strategy

We have one life. 
To live it without radical intentionality is a tragedy.

Going through the motions. 

Always looking to the weekend or some ambiguous wealth number.

What’s the point?

We were made for so much more.
Made for greatness.

And the best part?

God has already given you everything you need to accomplish his will in your life.

Listen to him.
Act boldly.
Trust deeply.

I promise. It will be an incredible adventure. 

And generations will be blessed by the gift of your life. 

Don’t waste another day without being intentional.

They say each kid costs $310k to raise.
So delay having children until you're “financially ready.”

They say there’s no room in the budget to tithe.
So give after you’re on track for your goals.

They say it's impossible to be financially successful 
And spend plenty of time with family. 

They say wealth will make you happy
Other "they's" say it will make you evil. 

They say being a SAHM is "wasted potential
So climb the ladder and send kids to daycare. 

They say the only way to serve God is formal ministry
So you stay in jobs that barely provide for the family

I don't know who "They" is in your life. 
But for the love of your family, life, and future...

PLEASE ignore "they"

It's not helping.

Greenland, inflation, Venezuela, Gold, Ice, Iran, tariffs, Epstein, Russia, the fed, Ukraine, Bitcoin, Israel, AI, Palestine, gov shutdown, stock market highs, Fraud, Mortgage bond buy backs

Anyone else’s head spinning yet? 
How do we keep track of it all?

How do we invest with all this going on?

A few things we need:

1. Deep trust and surrender to God. 

“Whether it be abundant blessing or tremendous difficulty, I trust you Jesus with my whole life and future”

2. Have a wise philosophy you understand, and can stick to during any noise.

3. Accountability to keep 1 and 2 consistent.

“Be still and know that I am God”
-Psalm 46:10

P.S. may not be a bad idea to do a news and media detox for a while. Trade it in for the bible and silence.

When someone on our team asks for time off or leave early or come in late and the reason is any of the following, the answer is always yes: 

1. Prayer, retreat, church 
2. Family needs them
3. Serving our community

Without hesitation. YES!

This is why we have this business.

We have to model and live what we help our clients build. 

A life aimed at heaven. Generational blessing in our families and community. All surrendered to Jesus. 

Our whole business, process, team and culture are built around this.

Over Christmas our family reflected on all that God had done in the last 3 yrs.

Between my wife and I, 5 brothers, parents: 

1. Two marriages
2. Four grandkids 
3. Overcoming 2 battles with cancer
4. Major conversions for 3 siblings
5. Three graduations
6. Four ACL tears and recoveries
7. Sold and moved from long term family home. 
8. Six new businesses started and thriving

We are not able to dream how God dreams. 

None of us could imagine that 3 yrs ago. 
Gods vision was so much greater than ours 

It was a brutal, beautiful, painful, joyful, faithful 3 years. And I wouldn’t have it any other way. 

Wherever you are. 
Invite God into the dream.
Surrender the outcomes to him.

Putting ourselves in situations that force us to rely on God, and stretch us, are soooo good for our soul.

Psa: Please never use “buy now pay later.”





That’s all.
Thanks for stopping by.

I can say w/o a doubt, the rewards of investing in my relationship with Christ are unmatched. 

Been spending a lot of time working on and investing in my busiesss this week. 

The weeks prior have been more about working on and investing in my personal growth in virtue, peace, surrender and closeness to Jesus. 

Both are extremely helpful. 

Doubling down on Jesus all year. 
Pray for me, our family, and our team. 

We’re going all in on Jesus. 
Who knows what he’s going to do.

Christ is King!

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The Battle

Max Pashman, CFP®

Jack Ziegler III

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The Battle

Max Pashman, CFP®

Jack Ziegler III

Followers

Posts

Engagements

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