Transamerica Financial Advisors, Inc.

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Neither Transamerica Financial Advisors, Inc. nor its representatives may provide tax or legal advice.  Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal professionals regarding their particular situation and the concepts presented herein.

Investment Advisor Representative

Qualia

- Made 50+ calls per day into existing account base based on marketing campaigns
- Generated quality intro calls between our prospects and Account Executives that drove additional revenue growth.
- Researched accounts, identified key contacts, built interest, and understood vendor approval processes
- Managed and maintained up to date contacts, opportunities, and account information within Salesforce.
- Leveraged Salesloft to run targeted cadences with proficiency.
- Consistently hit (and exceeded) quota month to month which led to being recognized as the top SDR for Q2 2022.

Sales Development Representative

University of Colorado Boulder

- Mentors students, conducts office hours and review sessions
- Attends multiple class lectures per week and communicating with students about computing questions pertaining to Excel and MATLAB.
- Providing Materials design, structure, and exam help to ~150 Junior chemical engineers
- Strong public speaking and leadership skills.

Teacher Assistant

- Investigate the assembly of nanostructured materials at length scales of 1nm to 1000nm using computational simulations.
- Develop, validate and apply atomistic potentials of oxides, metals and polymers to solve challenges in soft matter.

Nanomaterials Undergraduate Researcher

Saoradh Enterprise Partners

- Conduct market, technology and industry research, using Wellspring and Pitchbook, to support client projects, evaluate investment opportunities and support portfolio companies.
- Involved in finding, organizing and presenting data, using PowerPoint, gathered during the research process.
- One on one meetings and presentations with portfolio companies to develop interpersonal and trustworthy relationships.

Business Analyst Intern

National Snow and Ice Data Center (NSIDC)

- Utilizing Python and/or MATLAB for efficient data transfer from enormous satellite data into simple and useful spreadsheets.
- Utilizing SQL for efficient database analysis.
- Record Videos and utilize Camtasia to edit videos and audios for scientist ti upload onto Coursera for educational purposes.
- Implementing a ticket system using Jira and Confluence to streamline and smoothen tasks for management.
 - Worked with internal users to understand grant requirements and implement processes that meet those needs by writing technical documentation, providing on-site help and developing different methodologies for collecting samples.

Data Analysis Intern

- Performed quantum chemical calculations to examine the catalytic cycle of cobalt cyclam-catalyzed reductions of CO2.
 - Examined the stability of spin states of various cobalt complexes, computed their proton association constants and reduction potentials and their effect on CO2 emissions. 
 - Examined various papers from JACS (Journal of American Chemical Society) to study the viability of the catalytic cycle previously proposed by researchers.

Carbon Dioxide Reduction Researcher

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

The Trump administration is proposing 50-year mortgages.
Most people think 𝘵𝘩𝘢𝘵’𝘴 the problem. 
It’s actually much deeper.

In my opinion: a 50-year mortgage isn’t good or bad.
It just exposes how financially unprepared most of you are.

Yes, logically, there are real benefits:

→ Lower monthly payments.
→ More cash flow month-to-month.
→ Easier approval for first-time buyers.

But there's no such thing as a free lunch:

→ You build equity painfully slow.
→ You pay interest for 20 extra years.
→ Total interest could potentially double.

As an Advisor and Real Estate investor myself, the mortgage isn’t the issue.

Financial illiteracy is.

Because if you're financially literate can use a 50-year mortgage to:

→ Free up cash flow.
→ Invest the difference.
→ Build wealth faster than they pay interest.

But if you've never made good money decisions:

I'm willing to bet you'll still buy a home you can’t afford.

So a 50-year mortgage alone isn’t dangerous.
Using it blindly is.

In the right hands, it’s leverage.
In the wrong hands, it’s a trap.

And that’s the real message here.

You can’t win a financial system you don’t understand.

Sales Navigator

li_at

JSESSIONID

Talks about #taxes, #wealth, #investing, #retirement, and #financialstrategies

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

A 7-day trip to visit my sister in SD taught me something crazy:

The problem isn't your income. The problem is what you do with it.

San Diego isn’t cheap.
Flights, food, coffee runs, gas, Ubers, dinners, and all the “let’s just stop in here real quick” moments add up fast.

But the crazy part? I swiped my card like I was a Kardashian.

Not because I’m careless, I hope not....
but implementing cash flow management makes every dollar feel lighter.

Each $ that I spent had a job:
"To be spent for my joy in San Diego."

When you have a system, you stop asking:
“Can I afford this?”

and start asking:
“Is this what I allocated for?”

And that’s the difference you'll never experience.

→ Travel fund? Already filled.
→ Investments? On autopilot.
→ Bills + fixed costs? Covered.
→ Guilt-free spending money? Set aside intentionally.

So when I was in San Diego...

eating at The Taco Stand, walking Sunset Cliffs, spending time with Arya —
the only thing I focused on was being present.

Not the receipt. Not the cost. Not the guilt.

Because cash flow management isn’t about restriction.
It’s about maximum impact with minimum stress.

People think wealth is about making more.
But it’s really about getting the most out of what you already earn.

Making more is great, keeping more is better.

And when your money has a job before you spend it,
you get to enjoy moments like this — fully, freely, and without stress.

That’s the real ROI of a system.

At 19, I dreamt of living a life that nobody in my family ever lived.

So God gave me opportunities to create the one I'm living today.

At 21, I decided to get into financial services.
I had no credibility, but it put me in rooms that changed my future.

At 23, I left corporate.
Walking away from a steady paycheck was scary, but betting on myself forced me to grow.

At 24, I bought my first house.
Not just for shelter—but to learn leverage, equity, and freedom.

At 27, I chose to move back to Colorado.
Closer to family. Closer to roots. Aligned with who I am today.

None of those choices were easy.
Each came with doubt and fear.

But each built on the last.

And that’s how dream lives are made.
Not in one leap.
But in a series of decisions, backed by the discipline to keep showing up when it gets hard.

Many of you have what it takes to change your lives.
Maybe not in a year, but in 5 for sure.

You can’t create a new life while clinging to your old habits.
Neither can you build freedom if every decision made is based on fear.

If you want 2026 to look different than 2025,
it starts with one decision.

And then another. And another.

Your dream life isn't handed to you overnight,
it’ll show up because you were disciplined enough to build it.

Every single time the mountain gets steeper, I remind myself:

What a privilege it is to carry the stress and pressure of the grind when it’s on the path that brings me the most joy.

That’s the kind of stress I’ll choose every single time.

And I hope you do too.

Social media shows the 1% of the 1%.
 
Here's why you shouldn't believe everything you see on your screen:
 
What social media has normalized:

• Millionaires at 18. 
• Always flying private.
• Making $75,000/month.
• Living a iShowSpeed lifestyle.
 
That's fewer than 1% of people in the US. 

Why compare yourself to them? 
 
The vast majority of millionaires:
 
• Are 50+ 
• Fly economy 
• Have money tied up in assets 
• Live frugally and spend time with family 
 
Why not strive to be one of them? 
 
Remember:

99% of the time, wealth is boring and slow. 
 
If comparing yourself to the top 1% doesn't motivate you...

Take the safer route instead. 
 
You'll still achieve your dreams.

As of today, I have $10,748 in credit card debt.

I could pay it off, but I choose not to. Here’s why:

Because not all debt is bad.

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

→ That balance is on a 0% APR promo
→ The money I could’ve used to pay it off?
It’s working harder elsewhere

→ Being deployed into cash-flowing investments
→ Earning more than the interest I’m being charged (which right now... is zero)

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.
I’m saying—understand the strategy.

Paying off everything ASAP might feel good emotionally...
But it’s not always the smartest move financially.

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.

♻️ Repost this to challenge what we’ve all been taught about debt
🔔 Follow Omkar Shinde for smarter money strategies that actually work

I house-hacked my primary residence.

Here’s how it ruined my life.

I bought into the dream:
Real estate would be my golden ticket.

I wanted to:

• Diversify my investments.
• Build long-term wealth.
• Borrow against it.
• Generate passive income.
• Leverage it to grow my portfolio.

But the shiny object syndrome got me.

Here’s the reality no one tells you:

Real estate isn’t just numbers on a spreadsheet. It’s WORK.

• Ensuring you’ve got the right insurance to protect your investment.
• Setting up the right systems for smooth operations.
• Coordinating financing that’s anything but simple.
• Finding tenants who don’t destroy the place.
• Dealing with constant wear and tear.

I underestimated all of it.
I thought it would be easy. I was wrong.

Don’t let the “passive income” buzzwords fool you.
There’s nothing passive about the grind that comes with real estate.

I learned the hard way that you cannot skip preparation:

• Have a plan that’s airtight.
• Build a safety net that can handle surprises.
• Think two steps ahead, not just about your goals, but about the risks.

But here’s what I’ve come to understand:

We all make mistakes.

It’s so easy to feel like you’ve failed when things go wrong.
I’ve been there, staring at the mess I made, wondering how I’d fix it.

The truth is: even the biggest mistakes can be untangled.

This experience didn’t break me. 
It pushed me to grow, to rethink, and to do better.
I’m not perfect, but I’m learning, and I’m moving forward.

If you feel like you’ve made a mistake you can’t come back from—know this:
You’re not the first, and you won’t be the last. You’re not alone.

What matters isn’t the mistake.
It’s how you pick yourself up, dust yourself off, and take that next step.

And I know you can.

Just because I’m an advisor doesn’t mean I pinch pennies.

Here are 4 unusual things I happily pay a premium for:

The older I get, the more I realize something my 21-year-old self never understood:

Money is a tool. 
I used to look at it like a trophy. 

The more commas I have, the cooler I am.

But now I use it intentionally to buy back the two things that actually matter to me: time and mental peace.

1. Credit Cards

Not just for the points — for the peace they buy me.

→ Lounge access during long travel days.
→ Concierge services that save me hours.
→ TSA Pre and Global entry to skip long lines.
→ Travel protections I use more often than I’d like.

2. Watches

Yes, for the hype — but also because they retain value.
The kind you enjoy daily, that hold appreciation, and eventually get passed down.

It’s one of the rare “luxuries” that doesn’t punish you for liking nice things.

But also tells people what your time is worth.

3. Personal Development

Coaches, courses, mentors, masterminds.
I’ll invest in all of it.

One lesson can save me years.
One perspective can add six figures.
One conversation can change how I operate.

I’m buying the blueprint from someone who's already living my life.

4. Convenience

Fast passes, upgrades, same-day delivery, detailing — all of it.

Because saving $18 while losing an hour of sanity is the worst trade you can make.

Convenience isn’t laziness.
It’s clarity: spend where it expands you.

Most people try to save their way into peace.
Believe me, my parents did.

But you'll come to a point where:

Spending intentionally creates more time, more serenity, and more energy for the things that actually matter.

I met with a 55-year-old couple last week.

They’ve paid off their home and rentals, but have $0 outside of real estate.

And this is exactly why I don’t like real estate.

On the surface, they looked “set.”

→ No mortgage.
→ No rental mortgage.
→ Two properties fully paid off.

But when we talked about retirement, everything changed.

They had no liquidity.

→ $28,000 in Bank of America Savings.
→ $3,600/m in rental income.
→ $17,000 in Crypto.

They went all-in on real estate thinking it was their ticket to freedom.

But even with no debt you still need actual cash flow to retire.

And here’s the part most people never think about:

→ You can’t sell a bedroom to buy groceries.
→ You can’t pay medical bills with home equity.
→ You can’t fund 25 years of retirement with “a house that's paid off.”

Real estate felt safe.
It felt familiar.
It felt like the “smart and traditional” path that everyone online talks about.

But it wasn’t a plan.
It was a bet.

And like most people, they didn’t ask for help until it was almost too late.

Not because they didn’t care but because real estate gives you the illusion of security.

They thought owning two properties meant they’d be fine.
But here’s the truth they learned the hard way:

Real estate may build wealth...
but it doesn’t guarantee retirement.

Not without liquidity.
Not without diversification.
Not without a plan that actually produces income you can live on.

So if you’re banking your entire future on “just owning rentals,” ask yourself:

Will those walls and windows really pay your bills when the paychecks stop?

You closed another Enterprise deal that’s gonna pay you $80,000.

But you have no idea how to put it to work.

This is the trap almost every Tech Sales pro falls into.

You grind for weeks...
Push procurement...
Send signature reminders...

And then that commission finally hits.

$48k, $63k, $85k...

For a weekend, you feel unstoppable.
And you think you do all the right things:

→ Pay off the credit cards.
→ Put a chunk towards the mortgage.
→ Budget some for a nice vacation with the spouse.
→ And save the rest because you don't know when the next one's coming.

But now, you're down to $0 and not moving forward financially.

→ Still spending more than you're making.
→ More equity but can't use it for anything.
→ Retirement contributions are stopped for higher base pay.
→ And your CPA forgot to tell you about the tax ramifications.

Here’s the truth:

Making money and multiplying money are two different games.

Without a system:

• Money comes in fast
• Money leaves even faster
• Stress fills the gap

This is the number one problem I fix for Tech Sales reps making $200K–$800K:

→ A % automatically to taxes
→ A % to long-term investments
→ A % to cash reserves
→ A % to guilt-free spending
→ A % to big goals (houses, weddings, vacations)

Once every dollar has a job, the chaos disappears.

Your commission stops evaporating.
Your lifestyle stops controlling you.
Your money finally starts compounding.

Giving you back the freedom you've always wanted.


If you’re tired of watching big checks melt away…

DM me "QUOTA" and I’ll show you how to optimize your checks.

Stop focusing on: 
 
→ Becoming financially free by 27 years old.
→ Starting the next "unsaturated" business. 
→ Investing in Real Estate with $0. 

Focus more on: 

→ Paying for what you can afford.
→ Learning skills to become better. 
→ Consistently sticking to your daily actions. 
→ Prioritizing the best for you and your family. 
 
The reason why long term plans are successful is because of the short term actions.

You're getting ahead of yourself when you think about the prize. 
 
You'll end up: 
 
→ Paying too much taxes. 
→ Taking on too much debt. 
→ Selling investments to pay for expenses. 
→ Making the same mistakes that could be avoided. 
 
Don't fall into the trap of diving right for the result. 
 
Slow down. 

Focus on what you’re building, not just where you’re going.

How often do you get ahead of yourself?

I've never heard anyone say...

"I love the work-life balance at Amazon." 
 
This was the dream presented to me: 
 
• By every university 
• By my parents 
• By society 
 
 They told me to: 
 
• Graduate in Chemical Engineering 
• Go to Medical School 
• Make $$$ 
 
But what they didn't tell me was: 
 
• Work your a$$ off for 20+ years 
• Take on $100,000+ of debt 
• Mental health destroyed 
 
I couldn't do it anymore. 
I just wanted something of my own. 
 
It led me to what I call: Money Media 
 
• Changed fields from Engineering ▶️ Finance 
• Started writing on Social Media platforms 
• Create life-altering financial plans 
• Get paid while living my dream 
 
What you need to realize is, 
Everyone has a unique skill that they can teach, 
 
You just need to discover it. 
 
So take a chance on yourself, 
It'll pay dividends for the rest of your life. 
 
Take this as a sign to take action on what you've been thinking about for so long. 
 
2025 is your year! Make it happen.

America’s sitting on $1,130,000,000,000 in credit card debt.

If you're the average American, you're carrying about $6,730 of it.

I know you're not dumb.
I know you are responsible.
I know you weren't taught this stuff.

Let bygones be bygones.

But here's what I’ll tell you:

Credit cards aren’t the villain here.
It’s the lack of education that screws people over.

Here’s what I wish everyone knew:

1) You can consolidate.
Just because you got every card for it's promo bonus but forgot to pay it off, doesn't mean you should just keep it.

A single balance transfer to a 0% APR card stops the bleeding immediately.

2) Negotiate like Chris Voss.
Lenders want their money back.
If you’ve been paying on time, they’ll often extend your 0% APR window.

I’ve literally watched someone get an extra year from one phone call.

3) Choose your battle
You can’t keep the same lifestyle and expect your debt to magically disappear.
At some point, you gotta choose:
Comfort today, or freedom tomorrow.

4) Stick with it
This is the part people hate.
Because it’s boring.

Automate payments, throw any extra cash at principal, and just stay consistent.

Could you use more income? Yes.
But that's just a bandaid on a wound that needs stiches.

Bottom line is:
You need more knowledge.

Because the real difference between someone drowning in debt
and someone debt-free?

It’s not luck.
It’s not income.

It’s education.

Master this, and consider yourself graduated :)

Your job at Apple and eCom side hustle might impress your friends.

But your bank account? Still dryer than the Sahara.

You’re grinding:

• Crushing it at your 9-5.
• Growing your side hustle.
• Doubling your streams of income.

But here’s the harsh reality:

• Taxes are eating away your profits.
• You’re overworked and under-saving.
• You have no system to manage cash flow.

What’s the point of earning more if you’re not keeping more?

Let’s break it down:

You’re making money from two places,
But your lifestyle and lack of planning are leaving you broke.

Here’s how to fix it:

1️⃣ Track Everything:

Treat your side hustle like a business.
Track income and expenses meticulously—leverage tools like QuickBooks or spreadsheets.

2️⃣ Build a Tax Strategy:

Use deductions, write-offs, and pre-tax contributions to reduce your overall burden.
Your side hustle can help you save if you plan wisely.

3️⃣ Automate Investments:

Set up automated contributions to your 401(k), IRA, and a brokerage account.
If you don’t see the money, you won’t spend it.

It’s not about making more money.
It’s about making your money work for you.

Your dream life doesn’t come from doubling your income.

It comes from doubling your intention.

DM me "INTENT" to start 2025 with the right systems in place.

Don't think "over night".

Instead, think "over time".

Social media sells you a lie:
→ Flip houses and retire next year.
→ Invest in crypto and quadruple your money.
→ Start a side hustle and become a millionaire.

It’s very intoxicating.
The promise of instant success.

But here’s the truth:

 “Overnight success” is always decades in building.

Here’s what actually works:

→ Playing the long game.
→ Focusing on consistency, not hype.
→ Choosing proven strategies over quick wins.

It’s not glamorous.
But it’s sustainable.
It’s how real wealth is built.

Ask yourself:

Would you rather:
→ Burn out chasing quick gains?
→ Or grow steadily, compounding success over time?

Because one path leads to anxiety.
The other leads to freedom.

The shortcut is a trap.
The real wealth is in the journey.

What’s one long-term goal you’re committing to today?

Just like the 90.5 million Americans, I own a pet. 
 
I've spent 5 figures on Zuko so far, here's how: 
 
I love Zuko. He fulfills his duties as a dog: 
 
→ Constant face licks 
→ Excited when I get home 
→ An energetic ball of love and joy 
 
But don't let his adorable smile betray you. 
Because taking care of a dog isn't cheap. 
 
I've paid for: 
 
→ Food and toys 
→ Doggy Daycare 
→ Two hip surgeries 
→ Constant vet visits 
→ Monthly groomer visits 
 
I've spent 5 figures on him. 
Yet, I have no regrets. 
 
How, you ask? 
Because I had a plan before I got him. 
 
Here's what I did: 
 
1. Due Diligence 
→ Talk to the breeder/adoption agency to understand any history that I need to know. 
 
2. Emergency Fund 
→ Have a separate E-fund for Zuko that is used to pay for his expenses. 
 
3. Budget 
→ $200/month goes towards goes toward Zuko for any of his daily needs. 
 
4. Subscriptions 
→ His meds, grooming appts, vet visits etc. are all subscription-based so I can leverage them whenever instead of a one-time big payment. 
 
You may think I'm crazy for spending that much on a dog, 
But he's a priority I'm willing to spend on. 
 
Here's your takeaway: 
Plan for your priorities, let the rest take a backseat. 
 
Your priorities might be different than Zuko, 
But a plan will always help keep that priority important.

The only affirmation that helps me push through the tough times.

"Your mind will take you further than your circumstances ever will."

Most people avoid that truth.
Because it forces you to zoom out... and confront the life you're actually living.

For years, I let my environment shape my mindset.
I let circumstances dictate how far I believed I could go.

I didn’t realize the cage wasn’t around me— it was in me.

Then life hit me with what I now call "my Inner Switch".

An Inner Switch is that moment when:

• You fail at something you thought you were great at
• Someone you trust forces you to rethink your path
• You catch yourself living a life you never consciously chose

And suddenly you realize—
your outer world only changes when your inner world does.

Mindset isn’t motivation.
It’s not clichés.
It’s not the 5am alarms or the inspirational wallpaper on your phone.

It’s the decision to stop living on autopilot.
It’s the intention to build, not just react.
It’s holding the bigger picture when life tries to shrink you.

As Naval Ravikant said:
“The world just reflects your own feelings back at you. Reality is neutral.”

If you see limits, you live within them.
If you see possibility, life expands around you.

So be grateful— not just for what you have,
but for the chance to shape who you’re becoming.

Say the thing you’ve been avoiding.
Start the project you’ve been delaying.

Move toward the person you actually want to be, not the version you’ve settled for.

Your Inner Switch isn’t a feeling. It’s a call to action.

Don’t wait for life to force it.

Flip it yourself—
and watch everything around you rise to meet it.

Exactly 36 days till the last day of 2025.

Time is lost, and if you haven't done anything for your finances this year, do this to get back on track.

Most people don’t realize how much can change in 36 days.
Not everything, but enough to shift the trajectory of your entire 2026.

And yes... even if you’ve ignored your finances all year.
Even if you’ve been “too busy.”
Even if you promised yourself you’d start in January.

So here’s what you can still do before December 31st:

1. Fix your tax bill

• Run your last-minute deductions.
• Max out (or catch up) your 401(k).
• Prep for bonuses + RSUs hitting in Q4.
• Add to your IRA before the window closes.

2. Cash Flow Reset for 2026.

Use AI to evaluate your last 11 months of spending.

• Travel
• Restaurants
• Sneaky subscriptions
• “Treat yourself” purchases

If you don’t patch them now, you’ll repeat them next year.

3. Rebalance your investments

With how wonky the market has been:

Take some wins.
Harvest some losses.
Reposition yourself for 2026.
Switch or implement strategies if needed.

Reach out if you want to get evaluated.

4. Set 2026 goals in 2025.

Most people wait for January to “get organized.”
By the time they do, it’s March.
By the time they act, it’s June.
By the time they feel behind… the year is gone.

Give yourself a real advantage:
Start 2026 on Day 1, not Day 90.

36 days is enough to:

→ Fix your spending habits.
→ Lower your taxable income.
→ Build your investment structure.
→ Walk into 2026 with clarity instead of chaos.

You don’t need to overhaul your entire financial life.
You just need to start now.

Because time isn’t the problem.

Waiting is.

Unpopular Opinion:

You need money to create money.

Here's why:

A 100% return on $100 is $100.
A 10% return on $10,000 is $1,000.

While both returns look attractive, here's the crucial point: 

Scale matters.

10% is attainable, 
especially with a well-thought-out investment strategy. 

But a 100% return? 
That's almost like chasing a mirage—exciting but highly unrealistic for most.

$100 is a great place to start, 
it shouldn’t be where you end. 

Building wealth requires not just an initial investment, but a commitment to increasing that investment over time.

Remember this:
Every dollar you invest today paves the way for your financial future. 

The earlier you start, the more time your money has to grow through the power of compounding.

Whether it's: 

• Setting aside a portion of your income, 
• Exploring different investment vehicles, 
• Or seeking advice from financial experts,

the key is to take that first step.

Your financial goals won’t achieve themselves; 

You've got to execute the plan with determination.

DM me "START" if you need that push to get started on the right step.

Northwestern Mutual

Helping you live life intentionally and using tools that allow you to pay less tax, protect your family, and be confident in your future.

Financial Advisor

Philly Frassati

Providing adventures and parties that draw young adults  closer to God. Support us on Patreon: https://www.patreon.com/phillyfrassati?

Co-Founder

Cristo Rey Consulting

Helping small catholic non-profits succeed with the resources they have

Founder, Non-profit consultant

Ziegs Landscaping

Generated annualized returns of $240k
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Co-Owner, Manager

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

Twins receive $800K inheritance at 48.
One quits $190K job. 
Starts “passion project.”

Buys lake house for $425K. 
Takes big family trip they dreamed of $25k.
Lifestyle inflation everywhere.

No budget. No plan. Just “freedom.”

Age 55: Consulting income: $60K. Inheritance: $250K left.

Age 58: Sells lake house at loss.
Age 62: Back to corporate. Starting over.
Age 68: Still working. Can’t afford not to.

The other twin does it different.

$800K inheritance at 48.
Keeps his $150k job. 
Invests 80% immediately.
Gives $150k: church building fund.
Goes on $10k family trip. 

Lives on salary. 
Pretends inheritance doesn’t exist.
Age 55: Inheritance grown to $1.2M. Untouched.

Age 60: Retires. 
Endows seminary scholarship for $500K.

Age 70: Grandkids’ college funded. Legacy secured.

One honored God. One honored comfort.
Windfalls don’t reveal character.
They expose what was already there.

Who are you serving when nobody’s watching your bank account?

Windfalls come in many forms. 
They won’t change your habits and attitudes. 

Build them in yourself. 
Instill them in your children.

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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4 years ago: Success meant bigger house 
3 years ago: Success meant bigger portfolio 
2 years ago: Success meant bigger business 

Then God flipped the script. 

Through cancer. 
Through our marriage.
Through becoming a dad. 


He molded and shaped my heart 
to be more aligned to His Will, not mine

Now success means: 

- Living a radically intentional life 
- Drawing closer to Jesus Daily
- Leading my family boldly 
- Bigger generosity goals 

The numbers still matter. 
But they're not THE matter. 

Slowly as I was planning and planning
House, status, business, money
became my main goals…

I had to get cancer to flip it around.
You don’t have to.  

You can re-prioritize your life TODAY!


Just say yes to His plan. 
Even if it looks different than you imagined. 

Here to help when you're ready.

God bless you, 

Jack 🙏

The classic midlife crisis:

- Buying a fancy car
- Cheating on your spouse
- Over drinking and over eating
- Invest in random risky start up

What if Instead: 

- Shifting focus from wealth to impact
- Re-Falling in love with your spouse + family 
- Seeing your health as an asset
- Taking your faith seriously


With this shift comes an opportunity.

You have the skills, connections, 
and resources to change the world. 

Most people waste the opportunity.
But you can change the world.
You’re made for greatness. 
Be radically intentional.
Make it count. 

God bless you,

Jack 🙏

Three kids: 22, 19, 16. $340K income.
Oldest needs rent help. “Just for a year.” Year three: still paying $1,800/m.

Middle child moves home. Car breaks. Cosign loan. $520/month. They cover it.

Youngest wants out-of-state college. 
$62K/year. “We can’t say no.”

Age 52: Supporting all three. $4,200/m total. Retirement stopped.
Age 65: Can’t retire. 
Age 78: Retired now need LTC and asking kids for financial help. Kids don’t have it. Didn’t learn to save. 

Try this instead…

1 - Match what they save.
2 - Charge small rent, increase each yr and save for their down pmt. 
3 - Give specific college budget. Explain real costs and alternatives.
4 - Match their giving.

I get the temptation but honestly it does way more harm then good. 

You can and should still bless your kids.
Just please prioritize the wisdom with it. 
Model in your finances and do it intentionally. 

Love doesn’t mean funding everything.

Your kids don’t need your money forever. They need your wisdom now.

I used to think tithing was about the church’s budget. I was dead wrong.

It’s about your heart’s freedom.

This year, I’ve watched clients wrestle with their giving ($40K their tithe on $400K income).

“Jack, that’s a nice car. That’s a family vacation. That’s… a lot.”

I get it. I’ve been there.

But here’s what I’ve learned after working with 200+ families:

The families who give generously are always the most at peace with money.

Not because they have more.
Because money has less of them.

“Where your treasure is, there your heart will be also.” (Matthew 6:21)

This is something I discovered during a mission trip to Haiti.

I watched kids play joyfully with sticks and stones.

I saw families grateful for rice and beans.

I met believers who gave sacrificially from their poverty.

I came home ashamed of my hesitation to give from my abundance.

Now the goal is to increase giving annually.

Here’s the paradox:

-> The more you give, the more you receive.
-> Not always financially.
-> But always spiritually.

Peace. Joy. Purpose. Freedom.

The families who hold their wealth with open hands sleep the best.

“Command them to do good, to be rich in good deeds, and to be generous and willing to share.” (1 Timothy 6:18)

Your generosity isn’t just changing the world.

It’s changing you.

What step toward greater generosity is God calling you to take?

God bless you,

Jack 🙏

♻️ Share to inspire others toward joyful generosity.
🔔 Follow for more faith-centered financial wisdom.

I wasted 3 years afraid to build wealth.
Terrified I’d become the rich man.
The one Jesus said couldn’t enter heaven.

So I kept my business small and subconsciously sabotaged any major progress. 

I made assumptions about successful people’s character and prayer lives.

Convinced poverty made me more holy,
I’d feel guilty every time revenue jumped.

Meanwhile:

	•	My giving was capped
	•	My goals dwarfed by fear
	•	My talents squandered and hidden

Then I onboarded my first 5-figure client.
And the guilt hit HARD.

Even though I could see the incredible impact and their gratitude for the work…

I was overcome w questions of guilt.

“Am I becoming that rich man?”
“Will money corrupt my faith?”

But here’s what I finally understood:

The rich man’s problem wasn’t his wealth.
It was his ATTACHMENT to it.

Jesus wasn’t condemning resources.
He was exposing idolatry.

The question isn’t: “Am I building wealth?”
It’s: “Who am I building FOR?”

I know our mission. 
To be the light of Christ in families financial lives. 

Now when I land a big client, I still feel it.
That flicker of fear.

But I remember:

- Business growth means more families helped
- Means bigger impact for the church
- Greater giving in the community

Let my journey be a warning. 

Stop letting fear steal your best years.
Stop confusing poverty with piety.

If you have the ability to…

Build boldly. Give generously.
Trust completely.

God bless you,

Jack 🙏

P.S. In business there’s a powerful theme:

We are often paid in direct correlation to the amount of value we are adding ‼️

If I want to add massive value and transformational growth, that will come with business growth.

Sometimes God asks us to do big things.

But most times he asks us to be faithful in the little things.

I think about this when I look at my family.

A mostly ordinary life sprinkled with some extraordinary moments.

Decades of faithfulness,
Marked by extraordinary love.

______

My dad worked hard providing for decades. 

—> Fought harder to teach us to be present at home, generous, humble. 

My mom worked hard raising 6 crazy boys
A mostly thankless job.

—> Fought harder to teach us how to love, to pray, to serve.

_______

Leading my family now, I know the daily moments where I choose patience, choose love, choose sacrifice, choose Jesus.

Those moments compound over decades.

And just like my parents have quietly built a legacy of love with 6 soldiers changing the world….

We will continue that. 
And build upon it.

What legacy are you building?

God bless you,

Jack 🙏

Don’t pray for your kids to be successful.
Pray for them to be faithful.

Don’t pray for your life to be easy.
Pray that it’s meaningful.

Don’t pray for your kids to be happy.
Pray for them to be holy.

Don’t pray for financial security.
Pray for radical generosity.

Don’t pray for your business to be profitable.
Pray for it to be impactful.

Don’t pray to build wealth.
Pray to build the kingdom.

“Seek first the kingdom of God and his righteousness and all these things will be added unto you”

Parents are 71 and 68 living off $7.5k/m
“They’ll be fine. Dad has a pension.”
4 yrs later Mom falls. Needs care. 

$7.2k/m. Dad’s pension: $3.8k/m
$400k invested. New spend $13.5k/m.

3 yrs later: Care increased. Savings drained. Sold home. Mom passed. Dad, living with kids.

Next yr. Dad needs memory care. $6k/m.
You’re the main caregiver. Marriage strained.
Your retirement drained. Siblings barely help.

OR ‼️

Parents are 71 and 68. 
“We need to talk about the future.”
Family meeting. Siblings involved. 
Long-term care insurance: $7.8k/yr.
Estate plan reviewed. 

Hard conversations now. Not in crisis.
Mom declines. Insurance covers most.
They keep the house. Savings stay intact. 

Parents pass peacefully. 
Family home stays in the family.
$400k inheritance split. Marriages intact.

You retire on time. 
Parents get care and stay Mom and Dad. 
Grandma and Grandpa. Not patient.

Avoiding the conversation doesn’t avoid the cost. It multiplies it.

Finances are generational. Let’s plan like it.

It’s official. I hate the DMV.

In order to get a real ID you need:

1. Social Security card
2. your birth certificate
3. your marriage license
4. the deed to your home
5. A tax return
6. Passport
7. your old license
8. Your W-2 w/ full SSN on it 

In order to have a tax return or a W-2, you need a Social Security number.

In order to have a passport, you need a drivers license, Social Security number and a birth certificate.

In order to have a drivers license, you need a Social Security number and proof of residence.

In order to buy a home with a mortgage, you need a Social Security number, a drivers license, a tax return, and your W-2.

If you’re missing anyone of the above, you can’t get a real ID. 

If you’re missing any one of the above, you can’t get the above.

I get the need to avoid fraud and identity theft, but at this point, I’m convinced it’s easier to commit identity fraud than it is to get a real ID.

OK, rant over… guess who did NOT get a real ID today.

If the goal is as much wealth as possible.
If the goal is tax savings at any cost.
If the goal is rate of return. 

I promise. I’m not the right advisor.

If the goal is heaven.
If the goal is generosity and impact.
If the goal is more family time and legacy.

I promise. I’m the right advisor.

I want spouses closer. 
Children blessed abundantly.
Churches growing and transformed.

As a result of our financial planning. 

Yes, of course we still grow wealth, save people taxes, and have competitive returns.

No one hires me for that alone. 

I regularly give advice that results in less wealth but more purpose and intentionality.

I aim to give families permission to spend, give, retire. Because it’s not all about saving.

If that’s what you’re after, 
send me a message.

He has $2.3M in company stock options.
$1.8M in gains if he sells today.
Tax bill to diversify: $450k.
So he holds it all.

“Not paying that tax.”
Meanwhile 87% of his net worth and 100% of his income is one company.

If the stock tanks, everything tanks.
If he gets laid off, income AND wealth disappear.

Paralyzed by the tax bill.


Here’s what he could do…
(Bare with me this is cool)

Strategies he’d never heard of:

	1.	Moved $800k into an exchange fund. (Diversified without triggering taxes, deferred 7+ years)
	2.	Donated $500k of appreciated stock to Donor Advised Fund. (Zero capital gains, $125k income tax rededuction, funds giving for 10 years)
	3.	Sold $400k using direct indexing with tax-loss harvesting. (Captured $90k in losses, offset gains to $40k tax bill)
	4.	Kept $600k in company stock. (Still has upside exposure)


The math: Would have paid ~$400k to diversify everything.

Actually saved $85k instead.

Net result: $85k tax benefit while diversifying 75% of holdings.

Company stock drops 35%? 
Doesn’t crush his goals.

His net worth dropped only 8%.
Meanwhile the guy who “didn’t want to pay taxes”?

Lost $800k when the stock crashed.

“Not wanting to pay taxes” cost him 10x more than the taxes would have.

Concentration builds wealth.
Diversification protects it.

How much are you risking by holding everything in one stock?

Many Christian’s think they have to be poor to be holy. 

It’s a crippling mindset that leads to…

- Fear controling financial decisions
- Scarcity around the opportunities around you
- Ignoring finances silently hurting your family
- Tracking every dollar leading to money fights
- Judging others and fostering jealousy


Instead see money as a tool and experience:


- An abundance of love driving decisions
- Leveraging dollars for greater impact 
- Detachment from money and Attachment to God
- Intentional living aimed at Gods plan for your life
- Peace in a long term plan and surrender to God

_____________


Here’s how we switch from fear to intention:

1. Plan Prudently
2. Give Generously
3. Pray for Wisdom
4. Practice Gratitude
5. Align Spending with Values
6. Surrender the outcomes to God

There’s freedom from money stress.

I’d start with #6 and work your way up.

God bless you,

Jack 🙏

He’s 42 making $450k.
Paying 37% tax on top dollars.
His advisor told him to max his Roth 401k.

But a $23.5k deduction saves him ~$8700 in taxes annually.

Tax free sounds smart until you see what happens next.

At 55 he retires early.
Income drops to $60k from rentals.
Tax bracket: 12%.

Watch this…

Now he converts $100k/year from 401k to Roth.
Pays 12% tax instead of the 37% he saved.

Over 15 yrs: 
Converts $1.5M at 12% = $180k total tax. 
As opposed to $555k at current rate.

At 70.5 he starts QCDs from the pre-tax money.

$70k/yr 15 yrs to church, tax-free.

The math: Deducted at 37%, converted at 12%, gave at 0%.

25% tax arbitrage on $1.5M = $375k saved.
37% arbitrage on $1M giving = $370k saved. 

Most people stop at “max your 401k.”

The real strategy is deduct high, convert low, give tax-free.

Are you just maxing 401k or playing the long game?

A couple near us has $1.2M saved for retirement at 62.

They followed all the rules - maxed 401k for 20 + years, lived below their means, bought index funds, paid off mortgage.

If they use the “safe” 4% withdrawal rule that’s $48k/year to live on.

But here’s what $48k actually covers in 2025: 

Health insurance $20k/yr. 
All other insurance: $7k/yr
Property taxes $6k/yr. 
Utilities $7k/yr.
Phone/ internet: $3k

That’s $43k gone before groceries, gas, or anything fun.

Social security will help. 
But that’s set to be cut by 20% in 2032.

The 4% rule was built for 2% inflation and $300/month health insurance.

Today inflation is running 4-6% and health insurance for early retirees is off the charts.

This is why people with “enough” money still can’t afford to retire.

The math that worked for previous generations is broken. 

A million dollars isn’t what it used to be.

And not all $1M is created equal. 

What do you think? 💭

$280K household income.
Three kids. Ages 14, 12, 9.

“We’ll figure out college when we get there.”

Age 47: Zero in 529 plans. Market’s up. They’ll start next year.

Age 48: Market correction. “Bad timing. We’ll catch up.”

Age 50: Eldest applies to schools. Sticker shock: $55K/year.

Age 51: First tuition bill. Home equity line. $45k borrowed.

Age 52: Second kid enrolls. Another $90K on credit.

Age 54: Third kid starts. 
Total borrowed: $380K.

Age 58: Still paying. Kids graduated. 
$450k total parent debt. 
Parents’ retirement delayed 10 yrs.

Age 70: Finally retire. Student Debt paid off. 

… one small habit 10 yrs earlier makes a massive difference. 

5% of income or $1k/m starting when youngest was born. 

Allow kids to take $5k/yr in loans for responsibility. 

Now you still retire at 60. 
Kids go to same schools.
Kids get the same jobs. 

Could retire at 65 and help kids with first home.

Legacy isn’t all about college ed. 
Those days are over.

Imagine retiring early to be with your grandkids so your daughter can work part time earning $50k/yr and not pay for childcare.

You’ve added to your kids household $80k/yr in value from saved costs and added income.

That $80k allows her to fully stop working in 4 yrs from sped up retirement and kids savings.

Maxing 401k for 4 yrs ages 28-32 = 
Extra $600k in assets by retirement. 

$30k/yr for 4 yrs = 
Extra $450k for kids future college. 

Buys 4 yrs of her husbands income growth. 

One income, big family, owning a home, giving charitably feels impossible for many.

4 yrs of grandparent support can make all the difference. 

The generational impact is astounding.

The good life is simple:

1. Love God with all your heart
2. Love your neighbor as yourself

Even when I add more it’s still simple:

1. Give generously
2. Get married
3. Be present with your kids
4. Spend less than you make
5. Invest in your healing and growth 
6. Eat well
7. Exercise

None of this is easy.
But it is simple.

And we live in a world that has trillion dollar industries built to help you live out each one of those.

And a God who wants your good so badly he sent his only son to die for you. 

His grace is real. 
The tools are out there.

When life feels off… examine the above list. 
See how you’re living them out. 

Pick 2-3 and take one step to improve them. 

I think you’ll notice that it’s really a wonderful life.

Couple finished med school 2012. 
$310K joint student loans.
$450k household income. 
Landed attending jobs. 

“We sacrificed enough. Time to live.”

2019, Age 33: Buy $1.4M house. 
$10k/m mortgage.

Two German SUVs. $2.5k/m combined.
Country club. Boats. Vacations. $5k/m

“We earned it.”

Start having kids. Childcare $3k/m.

Student loans? 
Minimum payments. 25-year plan. 
Still $2k/m

Pay check to pay check after modest 401k contributions. 

2026 Age 40: Loans still at $265K. House equity: $380K. New income $625k

Here’s the chance to make it right…

You can:

Upgrade to $2M home. 
Stay pay check to paycheck.

OR! 

Keep lifestyle the same. 
Begin saving and giving the new ~$100k/yr

One leads to $2M at 60 but can’t retire because of 30k/m lifestyle.

The other leads to $2.5M and debt free by 50 can retire in 5 yrs w/ $4.5M on $20k/m debt free. 

This is how you make or break wealthy vs rich.

You have the ability to turn rich and broke to blessed and wealthy by a couple of small choices. 

How will you steward it?

$800k income
80-hour weeks
80 seconds of daily prayer

Something's wrong with this picture.

I know the pain of high demands and little time for anything else.

Chasing "more" while starving my soul.

The wake-up call?

My Doctor saying:
"You’re going to want to sit down for this. You have cancer."

Where do I go? 
What do I do? 
How do I think?

Questions raced through my head as I drove like a ghost to the chapel.

Staring at Jesus I prayed:
“Jesus if this cancer took me, would you be proud of the way I lived my life?”

His answer transformed me.

“Jack, you are my son and nothing can take that away. not cancer, not your sin, not your weaknesses. Nothing. My son, I am proud of you.”

After becoming cancer free, I couldn’t be the same:

Time isn't about management
It's about stewardship

Your calendar shows what you worship
Your budget reveals your priorities

First Buy Back your time w/ 4 C's of leverage

- Content (Multiplies outreach)
- Capital (At my buy back rate)
- Code (Tech working for me)
- Collaboration (Hiring to replace me)

Now re-prioritize First Fruits:

- Morning prayer (non-negotiable)
- Family devotions (protected)
- Sabbath rest (full stop)
- Tithe (Automated)
- Saving (Radically intentional)

The result?

More peace.
More presence. 
More profit.

God honors our priorities,
When we honor His.

Sometimes the most extraordinary results come from very ordinary actions.

Need help aligning your time and treasure?
Let's talk.

God bless you,

Jack 🙏

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The Battle

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Jack Ziegler III

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