I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

I've spent $75,000+ on my mortgage over the last 3 years.

3 reasons why I'll never ever go back into Real Estate ever again:

1. Interest
• It's no shocker payments first go to interest, then principal.
• In an environment rate like this, I'm not motivated to buy real estate and let it cash flow -$500 to $100 per month.
• I study the markets, and they're doing much better anyways.

2. Costs and Illiquidity
• Buying a house costs time, selling a house costs money.
• And the investment is fully illiquid. I cannot sell a bathroom and keep the house.
• Yes, loaning is an option and that's the only thing I like about it. But, that can also be a slippery slope.

3. Minimal Benefits
• Shreya works 40 hours a week, I run an advisory firm, and we own 2 rentals.
• Neither of us in Real Estate, nor can we qualify for REPS. So depreciation only offsets the cash flow we receive, nothing else.
• Not to mention maintenance, HOA, property management, and paying for all of that.

So yeah, I'm a huge believer money can be used in better places than real estate.

Anyone else agree?

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I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

3 weeks ago, Trump wanted to ban large institutional investors from buying single-family homes.

People are celebrating. But let me fill in the blanks for you:

37-year-olds making $172K can't buy a house.
Because BlackRock can pick up houses for 0.00023% of their balance sheet.

The Middle Class is not competing against families anymore.
They're competing against trillion dollar asset managers.

Who see nothing but dollar signs and decimal points.

So banning them makes sense, right?

But here's the other side:

Institutional investors own less than 3% of single-family homes in the U.S.

The real issue?

→ Interest rates that doubled.
→ 40-year low housing supply.
→ Zoning laws blocking construction.

Banning institutional buyers might feel good.

But it doesn't build more houses.

I work with clients making great money who still can't afford homes.

It's not just because BlackRock bought 3% of the market.
It's because there aren't enough homes being built.

Supply and Demand is basic macroeconomics. 

So what's the real solution?

Ban institutional buyers and hope prices drop?
Or build more housing so supply meets demand?

One feels good.
Both fix the problem.

What do you think—will this ban help or are we missing the bigger issue?

Every other Friday, you wait for that $4,786 paycheck.

But by Monday... *poof*.

You worked late nights.
Put in weekend hours.
Closed the deal that finally hit your quota.

Payday arrives—
And just like that, it disappears.

Because here’s what happens:

→ The rent auto-drafts.
→ The Amex bill hits.
→ Groceries, daycare, travel... all waiting in line.

By Monday morning, you’re already stressed about how to stretch what’s left.

This isn’t carelessness, well maybe a bit..

But mostly, it’s a missing skill.

Because *earning money* and *managing money* are two completely different games.

One fills your account.
The other builds your freedom.

Without a cash flow system, the cycle repeats:

• Direct deposit in on Friday.
• Expenses drain it by Monday.
• Anxiety fills the rest of the month.

What's worse? 
You can’t out-earn disorganization.

Most Sales clients making over $200,000, don’t need more money, they want it.

But they NEED a structure that makes cash flow predictable, month after month.

What's your cash flow management look like?

DM me "FLOW" and I’ll show you how to finally keep more of what you earn.

I took a bet on myself at 23 to drop a stable paycheck to go all in.

4 years later, I've 3x'd my salary and I'll never have to look for a job again.

Here's what nobody tells you about risk:

Everything is risky.

Staying at your job? Risky.
Layoffs happen. Budgets get cut. Companies fold.

Starting a business? Risky.
You might fail. You might lose money. You might look stupid.

The difference?

One risk keeps you comfortable until it doesn't.
The other risk builds something that can't be taken away from you.

Most people avoid the "scary" risks while taking the safest-looking risk of all—betting their entire future on someone else's decision.

That's not safety.
That's just delayed uncertainty.

When I left my 6-figure job, everyone thought I was crazy.

"You're throwing away stability."
"What if it doesn't work out?"
"You should wait a few more years."

But as time went on, it became clear:

The biggest risk wasn't starting my business.
It was spending the next 40 years wondering "what if?"

4 years later, I've tripled my income.
Built financial freedom on my own terms.
And I'll never have to update my resume again.

You're going to take a risk either way.

So why not take the one with the outcome YOU actually want?

The job will always be there if you need it.
But the opportunity to build something for yourself?

That window doesn't stay open forever.

It's the first full week back in 2026, what are you doing today to start your year your way?

At 18 years old, I was denied my first credit card.

At 25 years old, I had a credit score of 815.

Here's how I did it:

• Paid off my card bi-weekly for 4 years straight
• Kept my first card open, even when I stopped using it
• Used less than 10% of my limit per month
• Increased my limit every 6 months
• Followed Chase's 5/24 rule

I didn't have anyone teach me how to build credit.

I figured it out on my own.

Most people wait for someone to show them the way.

They wait for their parents to explain it.
They wait for school to teach it.
They wait for the "right time" to start.

But nobody's coming to save you.

If you want something in life, you have to make it happen yourself.

And the difference between where you are and where you want to be?
Action.

You either figure it out or you stay stuck.
Or pay someone like me to make sure you get what you need.

P.S: Struggling with your credit? DM me "CREDIT" and let's talk.

Using your 401(k) funds for a down payment?

This will create a generation of homeowners who can't afford to retire.

Trump's berlieves his proposal is the solution to help the home-buying dilemma.
Let me show you what this actually means:

You're 28 with $40K in your 401(k).
You can't afford a down payment.

Now you can pull $30K out and buy a house.
Problem solved.

But here's what you're not seeing:

Keeping retirement funds locked up has actually been helpful.
It forces people to save cash for a down payment.

Which means:

→ They build an emergency fund first.
→ Their retirement keeps growing the entire time
→ They prove they can handle homeownership costs.

Yes, it delays buying a house.

But that delay protects both your home AND your retirement.

Now imagine this:

A 28-year-old pulls $30K from their 401(k) for a down payment.

Buys a house they can barely afford.
Then the AC breaks. Roof leaks. Property taxes spike.
No cash reserves left.

And their retirement account is back at $0.

They're house rich, cash poor and back to the foothills of the retirement mountain.

Access to retirement funds might sound like freedom.
(Could be)

But my bet is it's more likely to create a generation of homeowners who can't afford to retire.

What do you think—does easy access help or hurt more people?

I've worked with AE's making $400,000/year. 
 
I've also worked with a bakery owner making $40,000/year. 
 
My top 5 lessons on literacy I've learned while serving a diverse client base: 
 
→ Financial discipline is the main difference, 
Between someone making $1,000/month vs. $10,000/month. 
 
→ Educating people about their finances sells. 
Not the fee structure. 
 
→ Your history and your mission are both crucial, 
And bridge both of these with your story. 
 
→ Money is still a taboo topic, 
even in high-income households. 
 
→ Your salary on paper does not matter. 
It's your bank account balance that does. 
 
 
The only way to freedom is through education. 
 
So get literate to be liberated. 
 
Message me today to take the first step.

A potentially illegal Roth IRA hack that hasn't been discovered yet.

Disclaimer: This is not financial advice.

Father has a Roth IRA. Son has a Roth IRA.
Father makes $82,000. Son makes $76,000.

Father pays for everything, has nothing to save at the end of the month.
Son is single and lives at home, 80% of his income is discretionary.

Son maxes out his Roth IRA. 
Son maxes out Father's Roth IRA.

Son is 27. Father is 58.

There's a mutual understanding between Father and Son that Son will inherit the Roth upon the Father's passing.

Let's assume Father lives till 90.

Which means Son has 32 years of compounding interest on $15,000/year of contributions.

Considering they start from $0, and max it out every year,
that's a combined Roth Account of $2M completely tax-free.

With the 4% rule, that's $80k/year in tax-free retirement income for the son.
Even higher with an Annuity.

To any tax pros, is this legal?

P.S: This may or may not be an real life scenario. 👀

Shreya and I spent $2,134 on our trip to Portland, Oregon in December.

Here are the 2 financial rules that help us travel every month:

1. Systems create peace.
2. Memories > Money any day.

Let me lay out the scene:

→ United Economy to Portland.
→ Diamond status got us an Upgraded room at Hilton.
→ Waterfalls, Mountains, beaches and mouth watering food.

The best part? 

I was swiping my card like a Kardashian.
I never swiped thinking, “Can I actually afford this?”

The actual difference between budgeting and building a system.

Budgeting is like trying to count calories while you’re holding a plate of warm cookies.
Systems are the reason you don’t even keep cookies in the house.

Before the trip:

→ Travel fund? Funded.
→ Investments on autopilot as always.
→ Houses on rent so no worry on the mortgage.
→ Business cash flow still operating despite 4 days off.

So this trip was a nice getaway for us to treat ourselves.

I had the peace of mind that my money was working for me.
I was spending time with Shreya, last few months as fiancées.

Just 2 D.I.N.K's with a good financial system.

But this is where most sales reps struggle.

One big commission check hits and it feels like winning the lottery.
The next month, income dips and panic sets in.

That volatility isn’t the problem—it’s the lack of a system to handle it.

So yes, we spent $2,134.

But what I really bought was peace of mind and memories with the best.

Sales doesn’t have to feel unstable.
You just need a structure that makes the unpredictable... predictable.

Want a masterclass in business and finance?

The Chainsmokers make 7 figures/year for a 245 second song from 2016.

TikTok has the "2026 is the new 2016" trend going on.
And it brought back Freshman year memories.

The biggest flashback was screaming,
"From your roommate back in BOULDER, we ain't never getting older."

And I realized, they recorded "Closer" 9 years ago.

And it still pays them millions.

Every stream. Every radio play. Every TikTok video.
They get paid.

If only we taught that to everyone, because most people trade time for money:

Work 40 hours → Get paid once → Repeat forever.

But the smartest people build assets:

Work once → Get paid forever.

Here's what that looks like:

• Invest in assets that pay dividends
• Write a book that sells for 10 years
• Build a course people buy on repeat
• Create content that generates leads daily

The Chainsmokers aren't special.

They just built something once that keeps working for them.
You can do the same thing.

Stop chasing the next paycheck.
Start building something that pays you long after the work is done.

Because the goal shouldn't be to work harder.
It's to work once and get paid forever.

What's one thing you're building today that will pay you for years?

I sobbed the entire night after I got laid off.

It made me accept the reality which I was avoiding.

Here's what I chose to ignore:

I worked at a company that paid me just enough to keep me comfortable.
And I gave them just enough to hit quota and stay off the radar.

I was checked out. 
I was wondering "is this it?".

I did what many corporate employees do:

* Hit my numbers.
* Met expectations.
* Waited for the next cycle.
* Played the promotion game.
* Hid behind my Zoom camera.

From the outside, everything looked fine.
Inside? I was uneasy.

This arrangement was bad for everyone.

I wasn’t building real leverage or skills.
The company didn’t get my full potential.
And my motivation slowly eroded quarter after quarter.

The layoff was brutal. But it forced honesty.

Today, I’m genuinely grateful for the environment I work in now.

One where:

* You’re rewarded for impact, not just tenure.
* Ownership matters more than politics.
* Growth isn’t tied to a title change.
* Effort actually compounds.

If you’re feeling that low-grade dissatisfaction between performance reviews and promotion cycles, pay attention.

That feeling isn’t burnout.
It’s misalignment.

You don’t owe your career another year of playing it safe.
You owe your future another year of building your heaven on earth.

P.S. If this sounds like you, trust me—you’re not broken. You’re just ready for more.

Open to other opportunities? DM me "Open" because I'm hiring 3-5 motivated people for 2026.

Trump wants Credit card companies to slash rates to 10% for 1 year.

Here's how it affects you:

Let's take the Average Joe:
Joe has $6,000 in Credit Card Debt.

Current rate (22%): $1,320/year in interest
Proposed rate (10%): $600/year in interest
Savings: $720/year

That's real dollars back in your pockets.
But it's what I call "invisible money". 

You will be happy with a reduction in interest charges, 
but unless it is consciously put to use, this is money that will be spent on something random.

And here's the other side:

Credit card companies make $120B/year in interest.

A rate cap would cut that in half, which results in:

→ Fewer rewards programs.
→ Higher fees to offset losses.
→ Stricter approval requirements.
→ Lower credit limits for existing customers.

There's one thing I can guarantee you:
Banks will not absorb the losses (why would they?).

They will pass them down.

The people who need credit the most?
They'd have the hardest time getting it.

So who actually wins here?

Companies lose revenue.
People trying to build credit get locked out.
People with existing balances get temporary relief.

With no guarantee of them actually getting out of debt.

To me, the real question isn't whether 10% sounds better than 22%.
It's whether we're solving the problem or kicking the can down the road.

What do you think—would this help or hurt more people in the long run?

I left corporate, built my own paycheck, and found my sense of freedom.

Would you like that too?

2025 was a year of growth for me:

- Got engaged 💍
- Caught 7 flights 🛩️
- Moved back home 🏠
- Better Systems and Ops.
- Finalized our dream wedding.
- $200,000+ revenue generated.
- $10,000,000+ AUM accumulated.

All this without:
- Worrying about a job loss.
- Hesitating to take time off.
- Applying to jobs because mine sucks.
- Responding to slack messages on vacation.
- Moving my mouse because PTO wasn't approved.

Now 2026, I have only one goal:

- SCALE.

But there's a problem. 

I, like everyone else, have only 24 hours in a day.
And I'm at a point where 12 of those are already taken up by my clients.

Which means, if I want to positively impact more people, 
I have to hire more people.

So, I want to help you create a life just like mine.
(It's hard work, but I think it's worth it 😉)

Here's what I'm looking for:
- Someone who wants to positively impact their community.
- Someone with a passion for Finance but doesn't know how to get started.
- Someone who's dissatisfied with their career and are open to other options.
- Someone who's always dreamt of being a business owner, but never had the opportunity.

You'd be introduced to a team that:
- Have backgrounds in Engineering, Law, Finance, Sales and Medicine.
- Are collectively pushing $400MM in Asset Under Management.
- Have worked at KPMG, Deloitte, Arther-Andersen, Booz-Allen Hamilton etc.
- Want to take a chance on you making it.

It's only 16 days into 2026. Imagine what this could look like 349 days from today.

Don't underestimate how long it might take you to be successful. 

We all have to start somewhere. Might as well, be here and be today.


Interested? We're interviewing people that fit the above criteria. DM me "FA" and I'll reach out to you to set a time.

If you're not interested, send this to someone you know who might be a good fit.

Instagram's CEO claims "Quality content is dead."

If you're creating content in 2026, here's what you should know..

Everyone and their mom is using AI now.

Templates structure their posts.
ChatGPT generates their hooks.
Claude writes their captions.
Grok fact checks the result.

And it sounds as perfect as Celine Dion's Voice.

We're more connected than ever before but we've never felt more disconnected emotionally.

I've seen it happen:

Someone posts 5 times a week with AI-written content.
Gets 8 likes, 12 comments.

And then crickets....

But posting about what happened to you when you were 14, and how that impacted you today?

DMs flood in.
Comments blow up.
People finally feel something.

Because it was authentic.

Stop trying to sound smart, start sounding like you.

Share the messy parts.
The failures.
The "I have no idea what I'm doing" moments.

AI can write your posts.
But it can't tell YOUR story in your voice.

Every time your audience reads your post, if they can't imagine you saying it, you've lost.

And that's the only thing people actually care about anymore.
Your voice.

What's one thing you've been afraid to share because it's "too vulnerable"?

High Taxes? Real Estate is the answer to everything.

I wouldn't touch real estate with a 10 ft. pole if that was me.

Every guru screams the same thing:

"Real estate is the best tax shelter!"
"Depreciation writes off everything!"
"Buy rentals and pay zero taxes!"

Cool story. Let's take a quick peak behind the scenes, shall we?

You're trading tax savings for actual cash flow.

Let me break it down:

You buy a $500K rental property.

Depreciation saves you $7K/year in taxes.

But you're also dealing with:

→ $15K roof repair you didn't budget for
→ Tenants who stop paying rent
→ Property taxes that went up 18%
→ Insurance that doubled in 2 years

Your "tax savings" just got eaten alive by expenses.

And that's if everything goes right.

What if interest rates spike and your property value drops 20%?

What if you need cash and can't sell because the market's dead?

What if your tenant trashes the place and you're stuck with a $30K renovation?

Real estate isn't liquid.
It's not passive.
And it sure as hell isn't a guaranteed win.

I've seen clients lose more money chasing "tax benefits" in real estate than they ever saved.

They bought properties they couldn't afford.
In markets they didn't understand.
Because someone on Instagram told them it was "the smart play."

Here's the truth:

Real estate CAN be great.

But only if you have the time, the capital, and the risk tolerance to handle it.

If you're buying rental properties just to "save on taxes"?

You're doing it for the wrong reason.

And you're probably going to lose money.

Tax savings don't mean anything if you're broke.

What's your take—is real estate overhyped or am I missing something?

A simple X post made me rethink what doubt is.

Here's how it goes:

"The archer aims at the target, not the doubts in his mind or on his ears."

It's what I needed to hear that day.

Because here's what happens when you chase something big:
Everyone has an opinion.

"That's too risky."
"What if you fail?"
"Why don't you just stay where you are?"

And the worst part? You low-key believe them if you aren't confident in your skills yet.

You question yourself.
You second-guess every move.
You get paralyzed by what could go wrong.

Here's the reframe:
Doubt isn't the problem. Doubt is actually a good thing.

It means you're on a path that most won't tread,
which means lesser competition,
and a higher reward.

Focusing on doubt is the major.

Our brain takes a small piece of information and creates the scenario that's worse than death.

The archer doesn't aim at his doubts.
He aims at the target.

Every single day.

Your job isn't to eliminate doubt.

It's to ignore it and focus on the task in front of you.

Write the post. Make the call. Send the email. Face the rejection.
But show up again tomorrow.

None of that matters if you just keep aiming at the target.

Big goals aren't achieved by overthinking them.
They're achieved by doing the small tasks every single day.

America is at $1,130,000,000,000 in Credit Card debt. 
 
Here's how I helped John and Jane Doe eliminate theirs. 
 
John and Jane are very frugal: 
 
• John works in construction making $120,000. 
• Jane runs her own embroidery business. 
• Paying down a house and 2 cars. 
• Provide for their 2 children. 
• Yearly family trips. 
 
They just did one thing incorrectly. 
 
They paid for a wedding using Credit Cards. 
 
They admitted it themselves. 
"We were young, dumb and broke." 
 
But that was 8 years ago..... 
 
Since then they've paid off only $25k, 
and paid more than $30k in interest. 
 
They needed a way out. 
 
That's when they sat down with my team. 
 
Here's the plan we created for them: 
 
1. Consolidated the debt 
- They had 12 different cards, with variable rates balances. 
- Credit transfer onto one card with a 0% APR for 21 months. 
 
2. Negotiation 
- Believe it or not, some credit card companies are willing to extend promo periods. 
- We negotiated a 0% APR for an extra year (21 -> 33 months). 
 
3. Priority mapping 
- Do you want to keep your same lifestyle or pay off your debt? 
- Which one is worth the short-term pain? 
 
4. Take action 
- Stick the the monthly payment outlined. 
- Contribute any bonuses or extra amounts to the principal. 
 
They've been on their journey for 22 months. 
 
Yesterday marked $40k in debt paid off. 
 
They hit 1.5x in 22 months, 
than what they paid off in 7 years. 
 
That's the power of proactive debt planning.

How are you eliminating your debt?

Amazon is cutting 16,000 jobs over the next 90 days.

Here's what I would do if I was an Amazon employee:

1. Get clarity:
Have a straightforward conversation with your boss and figure out if you're on the cutting block. If you don't get a straight answer, take that as a sign - you're it.

2. Stack cash: 
Yes, you'll get severance. But don't count on it. Stack cash so you have more runway to find a job (you'll need it in this economy).

3. Explore options: 
Do you really want to go back to another company and do the same sh*t all over again? Or are you finally dissatisfied to start something on your own?

4. Take a bet on yourself: 
We're in a White Collar recession. The more accomplished you are, the tougher it is for you to land a new job. 
You're hourly rate is higher working for yourself, than for a company. Take 18 months, put in the work, and live off the dividends for the rest of your life.

This is the future. 

AI taking over entry-level jobs.
More competition for lower paying jobs.
Bachelors, Master's, MBAs won't matter.

If you're tired of the exhausting job search and want to build your own paycheck, I'm looking for 5 people this quarter to help them win their life back. 

DM me "LIFE" to explore if this would be a good fit.

Your job at Salesforce might impress your folks.

Big title. Big quota. But your bank account? Still small.

If I had to guess, you’re grinding:

* Consistently hitting quota
* Managing a team or region
* Exploring a side hustle "just in case"

On paper, you’re winning.

But in reality: 

* Taxes are quietly crushing your take-home
* Lifestyle creep followed the last promotion
* Tax planning feels reactive, not intentional

Here’s the hard truth I see with a lot of AE's and Directors:

You’re earning from multiple places,
but you’re running your money with zero system.

Common mistakes I see:

* Treating commissions like salary
* Running side hustles without tax planning
* Outsourcing everything except your finances

So how do you fix it?

Start here:

1️⃣ Separate operator money from lifestyle money
Your commission and side hustle income should follow rules.
Not vibes. Or your friends orders.

2️⃣ Automate wealth, not just savings
401(k), backdoor Roth, brokerage.
If it’s manual, it’s optional. And optional never scales.

3️⃣ Proactively Tax plan
RSU's, ESPPs, Commission Checks - need in depth planning.
Real Estate, Oil and Gas, Private Equity - need qualifications.

It’s not about closing more deals. You already know how to do that.

It’s about keeping more of what you earn
and making your money work as hard as you do.

Your dream life doesn’t come from a higher quota.
It comes from better systems.

P.S. If you’re an AE making $200,000+ but feel behind anyway, DM me "AE" if you want to lower stress, and higher bless.

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.

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Generational wealth does NOT have to cost Millions of dollars. 

It DOES have to be radically intentional.

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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!

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.

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

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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Omkar Shinde

Jack Ziegler III

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The Battle

Omkar Shinde

Jack Ziegler III

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