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 was one signature away from a $640/month Jaguar XE.

I walked out.

2020. Car dealership. Everything was ready:

• Credit cleared.
• Loan approved.
• Papers in front of me.

Monthly payment: $640/mo. 🤯

I glanced out the window.

My 2012 Subaru was sitting right next to the Jaguar.

• Runs perfectly.
• 63,000 miles.
• Paid off.

And I thought: "What am I doing?"

I backed out. Drove home in my Subaru.

Took that $640/month and put it toward retirement instead.

$640/month for 4 years = $30,720.
At 8% annual return over 40 years?

That turns into $1,023,000.

One decision.
One signature I didn't sign.
Worth over a million dollars in retirement.

I didn't drive a nice car for 2 years.

But I wasn't trading my future for a car payment.

P.S: I bought the Jaguar 2 years later at a cheaper price.

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

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We spent $2,482 on our 4 day Austin trip last week.

And I never once worried about the cost.

Here's what we did:

• Flew down for our college friends wedding.
• Checked in on our 2 rental properties.
• Saw friends we haven't seen since last March.

The whole trip, I didn't open my banking app once.

I didn't swipe my card thinking, "Can I actually afford this?"

It was a done deal the moment we booked the flights.

Before the trip:

Travel fund? Funded.
Investments running on autopilot.
Rental income covering the mortgages.

So when it came time to show up—for the wedding, for our friends—I wasn't spending.

I was just using money that had been set aside months ago.

Most people skip trips like this.
Or they go and spend the whole time worrying about money.
Or spend frivolously piling on more debt.

I've worked with business owners making between $250k-$400k who can't take a week off without panicking about cash flow.

And I've worked with clients making $180k who travel twice a year without blinking.

I spent $2,482 in Austin last week. 

But I didn't feel it.
Nor did my bank account.

My parents were stuck in Qatar for 168 hours after the US decided to strike Iran.

I've never felt more helpless in my life.

There's no lesson here. Just a reminder:

Hug, kiss, and tell your loved ones how much you appreciate them every single moment you get.

The world is an unpredictable place. 

P.S: My parents are back home, safe and sound! If you had a loved one who was affected, I'm praying for their safety too.

Just dropped ₹2,49,334 in India for my wedding outfits.

That's about $2,500. Here's the best part:

It's not the fact that I saved A LOT of money.
Or I travelled to see family.
And reunited with everyone after 3 years.

Spending hard earned money on memories are the only dividends you need in life.

So ball out, my friend. You have my permission 🤑

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2021: $13,293 in AUM.
2022: $17,345 in AUM.
2023: $873,871 in AUM.
2024: $6,312,009 in AUM.
2025: $12,429,991 in AUM.
2026: ???

Everyone starts the race at the starting line.
But you choose how long you want to keep going.

You stick to your job.
Let time do the rest.

Between Feb 14th and Feb 27th, I made $11,344.

While working from this 162 sq. ft room in my Grandma's house in India.

Been to India 4 times in the last 4 years I've been working for myself, and it always gives me a sense of gratitude.

I wasn't in an office.
I wasn't tied to a desk.
I wasn't asking for time off.

I was halfway across the world. And my business kept running.

Everyone talks about this freedom.
Yet nobody wants bad enough to actually live it.

The money will come and go. 
But the memories, the time and the health all erode away.

It's all about control. 

Control over your time.
Control over your income.
Control over your location.

When you work for someone else, you need permission to take vacation.
When you work for yourself, you decide when and where you work.

I'm not saying it's easy, but it is simple.


Start small.
Build on the side.
Figure it out as you go.

Because once you build it?

You get to live life on your terms.

What's stopping you from starting today?

Because the alternative is spending the next 40 years watching someone else control your life.

My client pays $1,200/year for life insurance.

He has no spouse. No kids. No mortgage.

Who exactly is he protecting? I asked him that last month.

35 years old.
Software engineer.
Making $280K.

"Who's this for?" He paused.
"I don't know. My colleagues told me I needed it."

If you're single with no dependents or debt, life insurance is a waste of money.

Nobody relies on your income.
You're just paying to protect people who don't need protecting.

I have another client—Engineer at Google.

42 years old.
Married with 3 kids.
$450K mortgage.
$410K household income.

If he dies tomorrow, his family loses everything.

He's paying $15,000/year across everything:

$2.5M Term for him.
$2.5M Term for his wife.
Max Funded Permanent Policy for Tax Benefits.

That's not a waste.
That's the smartest $15,000 he spends every year.

If people depend on your income, you need life insurance.
If they don't, you're lighting money on fire.

Stop buying insurance because "someone" told you to.
Start buying it because someone actually depends on you.

DM "LIFE" for a free insurance review—I'll show you exactly what you need (and what you don't).

I lost a client 6 weeks after they started working with me.

He agreed to everything..... at first.

Then did none of it.

This client was a referral from an existing client.

• Married with 2 kids.
• $250K household income.
• 7 rental properties with $1,500/month cash flow.
• HELOC at 8% on his primary house.

If he lost his job, this house of cards would collapse fast.

So I put together a plan:

• Pay off the HELOC ASAP.
• Get his wife a part-time job while looking for full-time.
• Sell the underperforming properties before it's too late.

He agreed to everything. Then did none of it.

6 weeks later, he fired me.

My first thought: I'm not good enough.

Maybe my plan was wrong.
Maybe I invested at all-time highs when I should've waited.
Maybe I pushed too hard.

I replayed every conversation trying to figure out where I screwed up.

But after talking to him:

He said he wanted change. He just didn't want to do anything differently.

Agreement isn't commitment.
And I can't want it more than he does.

I spent 6 weeks trying to save someone who didn't think he needed saving.

That's on me for not seeing it sooner.

Not every client relationship works out.

And that's okay.

Now I know the difference between someone who wants help and someone who just wants validation.

If you max out your 401(k), you will be fine.
If you invest in Real Estate, you will be fine.
If you max out your Roth IRA, you will be fine.
If you invest in your brokerage, you will be fine.
If you contribute to a 529 plan, you will be fine.
If you work with an accountant, you will be fine.
If you have Term Life Insurance, you will be fine.
If you have a Auto or Student Loan, you will be fine.
If you implement at plan at 45 instead of 35, you will be fine.

All in all, if you're doing the basics, you will be just fine.

BUT...

Doing basic work will get you basic results.

It won't get you the life that you want to live, instead it will make you live the life that you silently judge others on.

Don't let that be you. 

Start now. Start today. 

My DMs are open.

At 34 years old, they make $430,000/year.

And don't save a single dollar.

I talked to this couple 2 weeks ago.

Here's what their reality looked like:

• $17,000 on credit cards.
• Two luxury car payments.
• $6,000/month mortgage.
• No emergency fund. $80,000 in an IRA.
• Rentals losing money every month because rent < mortgage.

Almost half a million in income.
Nothing left at the end of the month.

I could say they were reckless... but they were just stuck in the "we'll save next month" loop.

If your lifestyle scales with your income, you'll always feel broke—no matter how much you make.

So we built a system:

$3,600/month automated to investments and savings—comes out first, before any spending.
$8,000/month for fixed costs in one account.
$2,500/month guilt-free spending in another.

Every dollar now has a job.
But they'll have to cut back their lifestyle significantly.

And that's going to hurt for the first few months.

The system only works if they stick to it.
That's the hard part nobody talks about.

DM me "MONEY" if you're making good money but have nothing to show for it.

What's the point of making $600K if you're still living like you make $60K?

Here's the biggest myth you're falling for:

High income = Financial literacy.

It's the exact opposite: 
Sales employees making insane money with no idea where it's going.

Here's what I've seen in the last year:

• $12M net worth client paying $180K in taxes he could've reduced by 40%.
• Prez Club client making $400K with $12,000 left in his account at the end of the year.
• Real Estate believer with 7 rentals, buying his 8th property but losing $2,500/month in cash flow.

You can make $600K and still be broke.
Because income doesn't solve a bad mindset.

I've worked with people making $150K building wealth faster than people making $500K.

Why?
Because they have a plan.
Or they're working with a team like mine.

Making money is one skill.
Managing it is another.

If you're making great money but still feel broke, the income isn't the issue.
The system is.


P.S: What's your biggest money habit you wish you could change?

Between Feb 14th and Feb 27th, I had 6 qualified inbound leads.

From a time zone that's 12.5 hours ahead.

I didn't listen to Alex Hormozi:

I didn't run ads.
I didn't cold call.
I didn't send a single email.

People found me.
Because I've been building a personal brand for 3 years.

Most people think personal branding is for influencers or creators.

Nah. It's for anyone who wants opportunities to come to them instead of chasing them.

Here's what a personal brand does:

→ It builds trust before you ever have a conversation.
→ It makes you visible when you're not in the room.
→ It opens doors you didn't even know existed.

I was halfway across the world in India. 
Asleep when these people reached out.

And they still found me.
Sometimes from posts that were 5-7 days old.

That's the power of showing up consistently online.

Your personal brand works for you 24/7.

And keeps paying dividends.

Every post you write.
Every insight you share.
Every story you tell.

It's building credibility that compounds over time.

While you're waiting for the "perfect time" to start posting, someone else with half your experience is building their brand right now.

And they're getting the opportunities you think you deserve.

The market doesn't care about your resume.
It cares about who shows up.

So you can either start building your brand today or watch someone else take your spot.

What's it going to be?

$23.85. That was my first paycheck in this business.

I stared at it thinking, "What am I doing with my life?"

My friends were making $80K, $100K salaries.
And I couldn't even crack $500/month.

Every single cell in my body was telling me not to pursue this opportunity.

So, I tried other things.
Explored different paths: Drop shipping, Copywriting, Streaming.

But I kept coming back to this business.

So I tried working through it, but:

My own family didn't trust me with their money.
My friends never did business with me.
My colleagues outcasted me.

Which led me to have imposter syndrome every single day.

"Who am I to give financial advice?"
"Should I just get a normal job like everyone else?"

I knew people making 10x what I was.
Most of them in my friend circle.

And I couldn't even convince my parents to become clients.

But I didn't quit.

I showed up.
Learned everything I could.
Grinded when nobody was watching.

Because I knew I had the potential.

Now?

My entire family are clients.
Friends I grew up with are clients.
I've poured thousands back into this business.

Best of all, I don't question *if* I'm going to be succesful. 
To me, it's *when*.

I'm not done yet. 
And I'm a hell of a lot further than $23.85.

What kept you going when everyone doubted you?

I've talked to 11 people in the last 2 weeks who hate their jobs.

All of them want out, but I bet $50 none of them will leave. 

All of these conversations have the same premises:

"I was sold a very different dream."
"I realized there's nothing at the top."
"I do a good job, and I'm rewarded with more responsibilities."

So what's stopping you?

"I have a mortgage."
"I've got kids to feed."
"My spouse doesn't work."
"I can't afford to take that risk right now."

I get it. Responsibilities are real.
Bills don't stop because you're unhappy.
And the job market is in turmoil right now.

Forgive me for being the voice that others are too scared to say out loud.

But here's the hard truth:

You have two options.

Option 1: Accept it.

Stop complaining about your job.
Stop dreaming about what could be.
Make peace with the path you're on.

There's absolutely nothing wrong with choosing stability.
But you don't get to be miserable for choosing it AND do nothing about it.

Option 2: Work 10x as hard and jump ship.

Wake up earlier.
Have a 5-9 before your 9-5.
Sacrifice weekends for the next 2 years.

It's going to suck.. it's going to be the hardest things you've done.

You'll be exhausted. You're eyes are going to be baggy.
You'll be Nespresso's top consumer.
And your free time disappears.

But eventually, you'll have options.
And options = freedom.

I have no children. 
But I have a to-be wife, a mortgage, and staff to pay.
My responsibilities might be slightly less worrying, responsibilities nonetheless.

But throughout my career, I've learnt:

You cannot stay comfortable while being miserable.
You either accept where you are or you fight to change it.

But you can't do both.

So which one are you choosing?


P.S: I'm looking for 3 people in Q2 who believe that they are meant for more, and believe they are the Option 2 path-takers. DM me "Option 2" and I'll reach out to see if my team can help.

I'm stuck between a rock and a hard place.

Would you rather get licensed, work for a big box firm with a steady paycheck, with no ownership to gain experience?

Or

Would you get licensed, bet big on yourself with a variable income, have 1:1 mentorship with full ownership and gain experience along the way?

Asking for a friend.

P.S: I'm looking for the latter.

As of today, I have $8,945 in credit card debt, but $100,000K+ saved for a wedding. I could pay off the debt, but I choose not to. Here’s why:

Leverage.

Most people hear “credit card debt” and immediately assume irresponsibility.
But here’s what they miss:

→ That balance is on a 0% APR promo.
→ Earning more than the interest I’m being charged 
→ The money I could’ve used to pay it off? It’s marked for my wedding.

This is what most people never get taught:

Bad debt drains you.
Credit cards at 22%, high-interest loans, buy-now-pay-later traps.

Good debt buys you time, leverage, and flexibility.
Used correctly, it accelerates wealth.

I’m not saying go rack up cards.. although I did open 2 new cards for the bonuses.

I’m saying—understand the strategy.

I'm so excited to payoff the debt and see that $0.00.
But it’s not the smartest move financially, at this moment.

The goal isn't to avoid debt at all costs.
It’s to learn which debt builds and which one buries.

Because the difference?

Could be the reason someone stays stuck at $80K/year...

While someone else builds a million-dollar net worth off the same salary.

P.S: Just got approved for the United Club Business and Hilton Aspire Cards. Any cardholders wanna share their experience?

7 months into working with me, and she forgot about her RSU's from 2016.

They're -45% from her vesting date.

Here's what happened:

Client works for a renowned CRM company.
She got RSU's as part of her comp package. Typical.

Vested. 
Held onto them.
Never looked at them again.

Fast forward to now:

The stock tanked 45% since it IPO'd.
Most of her tax lots are down 60-70%.

She's sitting on a $60K loss she didn't even know existed.

It's normal.

Tech employees get RSU's and treat them like free money.
and they implement the "Vest-and-Hope" Strategy.

This happens more than you think.

But you see, RSU's aren't diversified.

They're tied to one company.
And if that company tanks, you lose.

So what did we do?

→ Tax-loss harvesting to offset her gains elsewhere.
Sold enough of her portfolio to offset some income tax and use the rest to offset capital gains tax.

→ Rebalanced her portfolio so she's not overexposed to one stock.
Something better to manage risk that's cost efficient, and meets their goals.

She went from sitting on dead weight to using that loss strategically.

RSU's are part of your compensation.
Not your investment strategy.

The moment they vest, you need a plan.

If you haven't touched your RSU's in years, 
you might be in the same boat.


P.S: If you need an RSU review/strategy and have no idea where to start, Dm me "RSU" and we can explore if working together is a good fit.

My client missed out on $47,300 in 2 years.

Despite working with my team.

He came to me in 2022:

• Switched jobs for higher pay.
• RSU's vesting over 3 years.
• 30% salary increase.
• Chunky sign-on bonus.

He was motivated to get everything in place financially.

But then he got cold feet.

The signs were all there:

• Kept pushing off meetings
• His internet would be down
• Expenses kept coming up
• Work kept him busy

Eventually, he ghosted us.
No replies for 12 weeks.

I gave up.

Cut to September 2024. He finally replied.

2 years later.

"Hey Omkar, hope all is well. I finally had a chance to sit down and analyze your plan."

I reconnected with him, excited to chat.

But his situation was completely different:

Got married.
Lived the same college lifestyle.
Bought a house he couldn't afford.

I couldn't take him on as a client.

Here's what he lost in those 2 years:
1. $12,500 in Roth contributions that would've grown to $18,200 at 8% annual return.
2. $15,000 in tax deductions he could've claimed.
3. $3,000 in interest he paid that could've been avoided.
4. $10,600 in RSU growth he missed by not rebalancing when he should have.

Total: $47,300.

Gone. Because he waited.

Don't be this guy. 2 years is a long time to pay for cold feet.

Credit card points are a scam.

No single card has all the benefits you want.

• Chase Preferred has great travel partners.
• Amex Platinum has lounge access.
• Capital One has hotel transfers.

So what do you do?

You open 3, 4, 5 cards to "maximize" your points.

Now you've got 47,000 points with Chase, 32,000 with Amex, 19,000 with Capital One.

None of them are enough to book anything good.

So you're stuck waiting, accumulating, spreading yourself thin across multiple programs.

And to actually maximize points, you have to spend a ton of money.

"Earn 5x on travel!"
"Get 3x on dining!"

Cool.

I need to spend $20,000 to earn enough points for a $600 flight?

That's not a reward.

That's just spending money with extra steps.

I've had clients tell me they opened 6 credit cards in one year, chasing sign-up bonuses, trying to game the system.

And now they're juggling payment dates, annual fees, and point expiration dates like it's a part-time job.

(Some are scared to close accounts because it'll affect their credit score)

All to save $400 on a vacation they could've just paid for.

If you're spending money you wouldn't normally spend just to earn points, you're not winning. You're getting played.

Pick one card, use it for everything, pay it off every month.

And if you want to travel, save the cash.

Points aren't free money. They're a loyalty tax disguised as a reward.

Every other Friday, you wait for that $5,231 paycheck.

But by Monday... that paycheck goes poof.

It's a repeat of the same things:

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

Payday arrives—
And quicker than that, the $$$ disappears.

Because here’s what happens:

→ The Chase bill hits.
→ The car payment auto-drafts.
→ 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.

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

It's unbelievable to witness the revival of faith in America. 
Not long ago it felt like the most basic truths in life were under attack. 

- What constitutes a life? 
- What is a women? 
- What does it mean to be human? 
- Does my sexuality matter? 
- What makes life valuable?

In the wake of these attacks on truth came questions from a curious generation demanding answers...

Thanks be to God, Christianity has been answering these questions for thousands of years. 

Now this curious generation is finding the answers in Jesus and being swept up in his grace and goodness. 

Blessed be the name of the Lord!

Jack III

Generational wealth does NOT have to cost Millions of dollars. 

It DOES have to be radically intentional.

Just another quick reminder to keep going.
You’re building something beautiful.

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Tom got promoted. Income: $185K to $280K.
Within 6 months:
New house. $4,800/m (was $2,400).
New cars. $1,200/m (was $450).
Country club. $1,500/m.

Lifestyle increase: $4,650/m. 
His raise after taxes: $4,900/m.

One yr later his income is up over 50%

But his giving is flat. His savings not grown.
His stress is higher than before. 

Same prison just new countertops.

His friend Marcus: Same promotion. 
But he paused. Prayed. Acted with intention.

Waited 3 years to upgrade anything.

Year 1-3: Kept house. Kept cars. Invested and gave difference. Income continued to grow. 
Year 4: Upgraded modestly. Paid 40% down on house.

Marcus saved $260K. Gave $85K. Mortgage $2,800/month.

Tom saved $18K. Locked into every payment.

Here’s the wisdom:
When income jumps, lifestyle wants to jump immediately.

Wait 3 years. 
Let the raise compound. Then decide. 
What’s actually important will become clear. 

You’ll either realize you don’t need it—or buy it with cash and keep your peace.

DM me. We help families navigate raises without lifestyle traps.

You’re 48. Income just hit $520K.
You worked hard. Pursued excellence. Honored God in your career.

The promotions came. 
The income grew. 
You were faithful.

But now there’s this… tension.

You want to live simply. Give generously. Be present with your family.

But you’re earning more than you ever imagined.

Part of you feels guilty. “Do I really need this much?”

Part of you feels proud. “I worked for this.”

Part of you feels confused. “What does God want me to do with it?”

Here’s what I’ve learned both personally and working with hundreds of families:

The income isn’t the problem. 
The unclear purpose is.

God doesn’t call you to earn less to prove your faithfulness.

He calls you to steward more with Kingdom intentionality.

The question isn’t: “Should I earn this much?”

It’s: “What is this much FOR?”

Excellence in your career can honor God.
Provision for your family can honor God.
Generosity with the surplus absolutely honors God.

The tension dissolves when your income has a mission beyond your mortgage.

DM me. We help families turn the tension into clarity.

God bless you, 

Jack 🙏

She quit her $55k job when daycare hit $1,800/month.
She was bringing home $3,200 after taxes.

Daycare ate $1,800.
Gas, work clothes, lunches: $400.

She was working full-time to net $1k/m.
And watch her kids be raised by others.

But here’s what happened next:

1. They got radically intentional about spending. (Cut $500/m in spending)

2. Husband had more focus, home support and opportunity. (Increased income $1k/m)

No more daycare pickup panic.
No more sick kid scrambles.
No more “who’s handling this” stress.

His career accelerated because hers stepped back.

The math: Lost $55k salary, gained $20k in sales/ business growth, spent $32k/yr less.

Net gain: $500/m post tax, more present mom.
 
The two-career trap makes everyone stressed and broke.

Sometimes one focused career beats two frazzled ones.

The 1950s model might actually be the smart financial play in 2025

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.

From $150K to $600K in 3 Years
Year 1: Hit $150K. Finally made it.
Year 2: Revenue doubled. Income: $300K.
Should feel amazing. Felt chaotic.
Year 3: Hit $600K.

Blessed beyond measure. 
Completely overwhelmed.

Here’s what nobody tells you about rapid growth:

Spreadsheets can’t keep up. 
Last year’s budget is irrelevant.

Do we move? Upgrade cars? 
How much should we give? Save? Spend?

And as a Christian, the weight is different.

Deeply grateful. 
Also crushed by responsibility.

“What if I squander this? 
What if it ends and I upgraded too much?”

Some nights I can’t sleep—not from fear of losing it, from the weight of stewarding it.

“Find a CFP with kingdom values. 
Allow them to guide you through the noise.”

A helpful tip is to wait 1 year before changing lifestyle. 

Let growth fund giving, saving, future first.

God didn’t bless you w chaos and w/o purpose.
He blessed you with opportunity.

DM me. I’ve walked this. 
I help others walk it too.

God bless you, 

Jack 🙏

My client wanted to increase their giving from 10% to 15%.

Their financial advisor said they couldn’t afford it.

I told him, he couldn’t afford not to. 
When God calls, we follow. 

Here’s the math most advisors miss: 

Generosity is often a wealth multiplier.

Families that give more actually accumulate more.

Not because God rewards generosity with money (though He might).

But because generous people make better financial decisions.

→ They waste less on status purchases
→ They’re more intentional with spending
→ They attract better business relationships
→ They sleep better (stress costs money)

This family increased giving to 15%. 

Other families grew from 1-10%. 

Their networth will grow faster than ever. 
Because when you hold money loosely, it flows to you freely.

Most wealthy Christians have a “giving ceiling”—a percentage they’ll never exceed.
But what if generosity had no ceiling?

What if the question wasn’t 
“How much can I afford to give?” 
but “How much can I afford to keep?”

The families with the deepest peace aren’t the ones who’ve saved the most.

They’re the ones who’ve given the most.

Your wealth isn’t your security—your generosity is.

The more you give away, the more you receive what money can’t buy.

What would change if you removed your giving ceiling?

God bless you,

Jack 🙏

Two become one. Except with finances?
 
Too many couples:
- Separate accounts
- Separate goals
- Separate dreams
- Separate missions
 
Then wonder why they feel divided.
 
Money reveals hearts. 
Hearts shape marriages.

If anyone of the above is divided, you and your kids will feel it.
 
My time… Her time
My work … Her work
My money … Her money
My ministry … Her ministry
My friends … Her friends
My family … Her family
 
This will divide you overtime.
 
What if instead:
 
Our time
Our work
Our money
Our ministry
Our friends
Our family
 
Unity in finances = Unity in marriage
 
It's not about control.
It's about connection.
 
Want a stronger marriage?
 
Start with financial unity.
 
God bless you,
 
 Jack 🙏

A family saves $7,000 every month and just booked Italy.

Without touching their emergency fund.

How does a family with high income still feel financially stretched?

It’s not about income.
It’s about intention.

Working with high earning families, I’ve seen it repeatedly:

→ The VP of sales making $750k with nothing left at year-end
→ The business owner with $5M net worth but monthly cash stress
→ The executive who can’t increase giving because “there’s nothing extra”

Money flows to what we value.
But only when we direct it there first.

“Honor the Lord with your wealth, with the firstfruits of all your crops.” (Proverbs 3:9)

Firstfruits.
Not leftovers.

Last September, I sat with a couple to review their spending.

→ $24,000 annually on restaurants
→ $36,000 untracked miscellaneous purchases
→ $9,700 on subscriptions they barely used

Nothing sinful.
Just unintentional.

We rebuilt their cash flow around priorities:

→ Tithe came first (non-negotiable)
→ Then savings (paying their future selves)
→ Then intentional spending aligned with their values

Six months later?

Their giving increased by 40%.
Their savings rate doubled.

And they felt more financial peace than ever before.

No matter your income, the principle remains:
Direction, not amount, determines financial peace.

Cash flow planning isn’t about restriction.
It’s about liberation.

Now they can hit intentional goals like:

- Helping kids with their first home
- One on one trips with each kid at 16
- Generational generosity
- Funding education

Freedom to fund what truly matters.

What one area of your spending doesn’t align with your deepest values?

God Bless you,

Jack 🙏

♻️ Share this with a family you help them reset.
🔔 Follow for more faith-centered financial wisdom for high income families

401(k): $1.1M. 
House equity: $680K. 
Annual spend: unknown

Net worth outside retirement and house? $47K.

Everything locked up. Illiquid. Inaccessible.

What happened:

Kitchen $62K. Basement $48K. Deck $38K. 
Master bath $32K. Roof: $40k Fence: $12k
Car 1: $45k Car 2: $38k. Big trips: $50k

Every yr another project. 
Another major expense.
A life chasing the most recent fire. 

Here’s the pattern I see:

High income. 
Maxing 401(k). 
House appreciating.
Debt pay down.

But…

Zero liquidity. Zero flexibility. Zero options.

Too many families in a spot where they feel blessed in a beautiful home but trapped until 65+  to keep the dream alive. 

3 quick tips: 

1. Make a distinction between true savings, and deferred spending.
2. Create specific, intentional goals and priorities for the family. 
3. Define necessary true savings rates. 
4. Know the trade off cost before making the major purchase. 

Most people don’t know they’re shaving a decade off their retirement until it’s too late.

DM me to build a plan to make it all happen 

Ps. Just saw this picture and can’t believe how big my oldes is getting!

You’re money can go 4 places:

1. Spend it
2. Give it to charity 
3. Give it to kids
4. Taxes

My job is three fold:

1. Help you define how much to #1-3
2. Build an intentional plan to achieve it
3. Minimize #4 so it can go to #1-3

I help Christian families making great money but feel like they’re not being as intentional as they could be. 

My job is to build them a radically intentional money plan so they have clarity on the vision God has for their life and the path to get there. 

If that’s you… send me a message.

I don’t want my kids lives to be easier
I want them to be closer to Jesus
To have more peace
To have more impact

So we’re prioritizing faith, church, retreats, prayer, community. 

We’re showing them not just telling them and integrating Christ into everything. 

But I also don’t want them to feel:

- Like they need to delay getting married or having kids OR
- Intense pressure to perform OR 
- Fear to take risks

So financially we’re preparing to help them buy a starter home and have a fund to launch a business. 

You can both form and prepare your kids for the work AND equip them to grow beyond what was possible for you. 

And without pressure. 

I’ve seen it many times with the families we serve.

Experienced it in my family. 

You just have to be intentional.

"Be a good steward."
We've heard it a thousand times.

But what does it really mean?

It's not just:

- Having a budget
- Saving for retirement
- Giving 10%

It's aligning every resource with God's vision for your life.

Seeing all as a blessing and multiplying that to give back to the Lord. 

When the Master returned in Jesus' parable,
He didn't ask if the servants saved the talents.
He asked what they did with them.

True stewardship is radically intentional.

It asks:

- What is God uniquely calling our family to?
- What is the purpose of this wealth?
- What goals if accomplished, will be evidence of our family mission lived?

We've experienced this transformation:

From managing money well…
To deploying resources purposefully

Every dollar.
Every minute.
Every relationship.
Every skill.

All aligned with the vision He's given us.

"Whoever can be trusted with very little can also be trusted with much."

Are you managing money?
Or stewarding a calling?

The difference is a purposeful life that blesses generations 

God bless you,

Jack 🙏

Dm me, “stewardship” and we’ll find a time to help you be radically intentional.

Net worth: $1.8M. Ages: 48 and 46.
Their advisors: “Keep maxing the 401(k). Don’t touch principal. Retire at 65. You’re doing great!”

But they didn’t feel great. 

Their actual goals:

Kids weddings help: $45K. 
Kids down payments: $100k.
Retire before 60. 

Time with kids and grandkids while young.

I don’t think the advisor was bad. 

I just don’t think he asked enough questions to find out what matters most. 

So they thought “there’s nothing we can do.”

Then they came to us. 
We ran the numbers.

Started prioritizing their actual life goals not maximize their wealth at 90.

Built a specific income plan for retirement.
Changed to minimum to get the match in 401k.

And guess what… still retiring 7 yrs earlier then told. 

Set pace for $50k for weddings and $100k for down payment helping.

Added in future Grandkids education $120K.
Completed $50k home renovation right away. 

Total given to life, family impact: $320k. 

And STILL on pace to retire at 58

Old advisors optimized for dying rich. 
Not living generously.

Kids would’ve inherited at 60+. 
When they least needed it.

Instead received at 28-31. 
And have grandma and grandpa fully present in their lives. 

This changes everything for multiple generations. 

Your kids don’t need your money at 65. They need it at 30.

DM me. We unlock generosity now, not just inheritance later.

Your parents had $3M saved for retirement.
Yet they NEVER touched it. Lived off Social Security.
Living terrified of the what if's...

They grew up in the Great Depression.
They saw what long term care expenses did to their friends.
Money started as cash in the mattress. Literally.

Of course they were hoarding more than they needed to! 

They never wanted to knock on the kids door and ask for money.

They wanted so badly to leave something behind.
They wanted to be remembered. For their life to matter. 
They wanted to leave one final love letter:

"I love you more than you'll know. I want you to have this $50k to buy a house for your family. Please, remember me. Always stay close to Jesus."
- Grandpa. 

And that desire to be remembered well? It's beautiful.

But sitting on $3M while living like you're broke isn't a legacy.
It's fear dressed up as wisdom.

We need financial plans designed to give you permission to spend not just hoard wealth. 

Because the guy who dies with the most isn't the winner!

Spending requires a completely different plan than investing. 
One they never built.

Legacy isn't just the number you leave behind.

It's the life you lived. 
The generosity you showed. 
The memories you created.

Because that's the stuff your kids will actually remember.

If your plan doesn't prepare for the "what ifs" directly! 
You're going to hoard wealth. Don't do that.

You’re 52. Spreadsheet open. 
Running the numbers again.
“If we hit $3.5M by 62, we can retire.”
“Maybe $4M to be safe.”
“But what if healthcare costs more?”

The finish line keeps moving. 
The stress never stops.

Here’s what I’ve learned working with affluent Christian families:

Society sold us a lie about retirement — pick an age, hit a number, then you’re free.

But what if freedom isn’t about stopping?
What if it’s about following?

I’ve watched men hit their number and fall apart.

Because the number was never the point. The mission was.

What if instead of chasing a finish line, you focused on:

	∙	Building something that outlives you
	∙	Mentoring the next generation
	∙	Serving with the skills God gave you

The goal isn’t to stop working.
It’s to work from freedom, not for it.

The richest men I know aren’t the ones with the biggest portfolios.

They’re the ones still creating at 70. 
Still serving. Still engaged.

Your calling doesn’t retire at 62. 
Only your need for income does.

DM me — we build plans for work optionality, not just work elimination.

$140K Bonus Hitting Your Account Friday
You should feel excited. 
But instead you feel stressed.
Worked hard all year. Earned it. Faithful.

But now it’s real and you’re paralyzed.
Give? Invest? Kitchen? Italy trip? Mortgage?

Every option feels equally right and wrong.
The worse part is you’ve been here before.

Last bonus disappeared into “life.” 
Can’t even remember where.
You don’t want that again.

Analysis paralysis dressed as stewardship.
Accidentally burying the talents. 

Here’s what I’ve learned:

The confusion isn’t about the math. 
It’s about the mission.

Without clear family values and a financial plan, every dollar is a debate.

What works: 

Know your mission BEFORE the bonus hits.

Build a plan that assigns purpose:

1. Family mission
2. Radically intentional goals
3. Clear and known savings targets for each 
4. Predetermined order of operations
(Ie. 10% giving -> cash reserve full -> retirement in track -> kids savings goals -> fun)

When the bonus lands, you’re not deciding. You’re deploying.

This time can be different. 
But only if you build the framework first.

DM me. We help families turn windfalls into Kingdom impact, not just “life.”

God bless you, 

Jack 🙏

What if we built businesses and livelihoods with multiple generations of our families so that the older generation could contribute things like wisdom, capital, and experience 
while the younger generations drive forward with their energy, hustle, and innovation…

What if we got kids involved early on.

And part of their education was learning the different aspects of each business.

And what if retirement was just taking a more passive role and mentoring the next generation?

What if this is how we’re supposed to live?

A married Christian couple earning $305k/yr should never lose sleep over retirement.

Why?

Because with the right plan, they don't have to.

Here's what I mean. One spouse brings in $135k from a W-2 job.

The other two businesses jointly produce $170k. 
That's a powerful income combination.

And with a Solo 401(k) on the business side, they can shelter massive amounts from taxes:

→ Tax-deferred growth that compounds year after year.
→ Full control over investment choices inside the plan.
→ Up to $50k per spouse in employer and employee contributions.

But retirement savings alone won't give you peace. 

You need a plan that covers the things most people ignore:

→ A retirement income strategy that doesn't leave you guessing at 72.
→ Long-term care costs that could drain decades of savings in months.
→ Coordination between the W-2 benefits and the business retirement accounts.

When all of this is working together, something shifts.

The anxiety fades. The daily financial stress disappears.

You stop worrying about "what if" and start living with radical generosity and intention.

That's what a real financial plan does for a Christian family.
It doesn't just protect your future.
It frees your present.

So are you going to keep piecing things together on your own?
Or are you going to build a plan that actually gives you peace?

I know which one I'd choose.

Making $400K but haven’t updated your tithe in 5 years.

So easy for this to slip through the cracks.

You’re already giving $15- $20k a year.
Life is extremely busy with kids, ministry and work.
Your income grew fast and it was hard to keep track of it all.

Somewhere along the line…

- Spending increased in subtle ways, 
- House projects seemed to keep coming up - Taxes increased dramatically

But hey…Saving increased a bit!!!
You’re just not sure if that’s enough either.

You know you’re doing well, but also something’s off…

You know you could be more intentional and your dollars could work harder for you.

But it feels impossible to give your finances the time they deserve.

Often were able to help families: 

✅ Save taxes
✅ Multiply wealth significantly
✅ Hit their goals, faster with less risk 
✅ All while saving them time and 
✅ Increasing charitable giving

Often in 6 weeks or less…

Read that again and Imagine there was a promotion or a sale that offered you that… 

My guess? You’d take it.

So why haven’t you messaged me yet?

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Jack Ziegler III

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The Battle

Omkar Shinde

Jack Ziegler III

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Engagements

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