Accelerated Wealth Management offers a solid unique approach to personal wealth building through day to day Money Performance & Risk Free Investing.

By "Money Performance" we mean optimizing day to day household net income or net cash-flow to ACCELERATE the rate of SAVINGS through a strategy of accelerated debt elimination which cancels and saves tens of thousands and possibly hundreds of thousands of dollars in interest charges on most debt structures. 

To help ACCUMULATE and PROTECT personal wealth, we recommend tax-deferred fixed and indexed annuities as well as fixed and indexed life insurance products to provide maximum accumulation potential without down-side risk. 

We start with the premise that the best ROI for use of our clients NET INCOME or CASH-FLOW in today's financial climate is to accelerate the pay off of MORTGAGE and CONSUMER DEBT as quickly as possible by utilizing a strategy of interest cancelation.

Steps We Follow:

DEBT RESTRUCTURING & BUDGET ANALYSIS - If it is an advantage for the client to do so, our first step is to refinance, consolidate or restructure existing debt into the lowest monthly debt service payments possible. During this process, we do an in depth budget analysis to determine the exact amounts of fixed and variable living expenses to determine a comfortable discretionay income amount available for debt elimination.  

ACCELERATED DEBT ELIMINATION - Once the debt structure is determined to be favorable, we set up an interest cancelation account to arbitrage all net income to accelerate the payoff of all debt as soon as possible. This is done by eliminating stagnant money and floating living expenses on credit cards for a long as possible to can make sure that all monthly net income is either earning interest or canceling interest allowing for the maximum amount of funds to be directed towards the strategic payoff of the mortgage and or consumer debt. Utilizing this strategy on a typical 25 to 30 year debt structure will reduce the term to an average of 8 to 12 years and save $100,000 to $200,000 of interest payments depending on the initial size of the debt.  

This puts our clients in a much better position to build substantial amounts of personal wealth in ADDITION to any investment or tax-qualified retirement plans already in place over the course of their income producing years. 

RISK-FREE WEALTH ACCUMULATION - Realizing that money saved from the interest cancelation strategy was on paper, once debt elimination is achieved, a substantial amount of funds from the eliminated debt service payments can now be used to accumulate liquid assets.

Using the clients age as a guideline, we recommend a percentage of available money by placed in investments with no down-side risk like tax-deferred fixed or indexed annuities or equity indexed universal life insurance products.  Keeping all personal wealth building separate from speculative wealth building.

ASSET PROTECTION - Adequate protection of cash and assets from hardships caused by a premature death, health related expenses of one or both of the income breadwinners or the possibility of living to very old age may be put in place. Long Term Care Insurance is a strategy that can be used to protect assets for a spouse or to provide a legacy for surviving children should the client decide their accumulated wealth not be used up for medical emergencies or for intitutionalized care due to longevity.


FOR A FREE NO-OBLIGATION ILLUSTRATION TO FIND OUT YOUR ESTIMATED TIME TO DEBT PAY OFF AND POTENTIAL CASH ACCUMULATION