We build your wealth through proven financial strategies

If your advisor isn’t sharing their plan with you, are they really doing their job?

80% of people start thinking about changing financial advisors when the market is down…

At that point, its already too late.

Common Mistakes

Is your advisor helping you avoid these common investing mistakes?

Between 1950 and 2020 there were 38 10% drops in the market creating prime money-making opportunities. Are you ready to take advantage of the 39th drop?

Today, investors are paying too much attention to what the media says about investing instead of what they should be doing to get to their goal. Does your advisor, provide you enough quality market data?

Other than just staying invested, most advisors don’t share a plan for your money in both the short and long term – what they don’t share might be the difference in getting to where you want to go!

A Better Strategy

3 Pillars of The Adaptive Financial Strategy

Evidence Based Plan

You don’t care about opinion, you care about facts. In our belief, you hire us to show imputable evidence that will help you accomplish your financial goals.

The Guide To Your Financial Future

The 2000 Acid Test

Have you tested your portfolio to make sure it can withstand known market pressures? We use the 2000 acid test to ensure it can stand up to the market.

Financial Portfolio Risk Management

10% Down, 10% In

We don’t just plan for stability, we plan for profit. When the market dips, take advantage. We help make sure you have the liquidity you need when you need it.

Capitalize On Market Opportunities

Schedule a FREE 30 Minute Financial Assessment

By the end of this call you will have a clear understanding of the next steps that you should take to build wealth that will stand the test of time.

Find a time on my calendar to schedule a call today. We look forward to speaking with you soon.

THIS CALL IS PERFECT IF YOU ARE LOOKING TO:

  • Establish a financial plan that adjusts to your life and protects your financial future
  • Understand how to grow your personal wealth alongside your business
  • Learn how to position assets to lower your yearly tax bill
  • Understand the implications of your employment and players contracts

Plus, we provide you with instant access to your own Adaptive 360 personal financial website that you can use as a dashboard to see how all the pieces of your wealth are working together.

Already have an advisor?

Ask them these 10 questions to make sure they are doing right by your money

About Us

A financial engine built to generate wealth for you

At Adaptive Wealth Partners, we ensure that your legacy lives on. After building an understanding of what your needs are, we develop a plan of action to assist you today, tomorrow and long after you are gone. We serve as a source of education to help you develop confidence in the plans that we build for your future. Our goal is to partner with you to bring insights and ideas to better your life.

Ask Me Anything

Frequently Asked Questions

While each person is at a different place in their financial journey the number one sacrifice that needs to be made is time:

  • Time to earn your money.
  • Time to actively build and manage your financial plan.
  • Time to learn about the different types of investments and which ones you should use.
  • Time to optimize your spending by finding a good deal on the things you buy.
  • Time to find strategies to minimize your taxes.
  • Time to improve your mental strength to better deal with things when they go wrong.

There are many factors that influence this decision. If you want to get into the details, just schedule a meeting with me above! For now, let me leave you with these questions:

  1. Are you in a financial position to buy?
  2. How long will you stay?
  3. Which is a better value in your area?
  4. If your home’s value doesn’t go up, would you still buy?

There are steps that should be taken to build wealth:

  • Understand your cash flow and income situation.
  • Save 6-9 months of expenses, personally and for your business.
  • Look for ways to lower your tax bill.
  • Make sure that you have insurance in case something happens that is unexpected.
  • Earn your money and you earn your wealth.

This is one of the most complex situations that you could deal with, it takes time to settle an estate and time equals money and effort, which you will face during the time of loss, when bad decisions are often made. At the most basic level the assets will be used to pay debts and taxes, and then what is left over will be passed on to the beneficiaries or as determined by a probate court.

There are many more questions you need to be asking yourself prior. Set up a time and I can help you make sure you are your family are prepared.

Being wealthy is a mindset that is not meant for every person, it takes discipline, effort and time. The good news is that it has never been easier to build wealth, there are more tools and resources available than ever before. The “bad” news…You will have to earn it, being “rich” is different from being wealthy. Those who are wealthy have put in the time to build their empire, they have taken the time to learn what it takes to achieve their definition of wealth and have planned to ensure that they don’t lose their wealth. Is it difficult to be wealthy? Yes, but it is worth it for the piece of mind that it will bring to your life.

There are times when spending time and money to get a tax deduction is not the right answer and that is dependent on everyone’s specific situation. There are a few strategies that may lower your tax bill.

  1. Work with a financial advisor to contribute to the correct retirement account for your situation. Traditional 401(k), Roth 401(k), 403(b), 457 Plan, Traditional or Roth IRA.
  2. Work with your CPA and financial advisor to have review any money that you may inherit and adjust how this inheritance is structured to send less to the IRS.
  3. Work with a CPA who is proactive and reaches out to you, outside of tax season so that you can adjust your strategy to maximize your tax efficiency.
  4. Structure your assets and liabilities to maximize the dollars you keep out of the deep pockets of the IRS.
  1. Develop a plan to manage both care and finances, it may be worth it to hire an outside planner or wealth manager to do this work for you and your parents. You and your parents will need to know where all the pieces to the financial puzzle are located (over a lifetime this can become a mess, and things can get lost), know what resources you have available and what the potential cost of their lifestyle and needs will be.
  2. Spend time discussing what is important to them, where they want to live, the things they want to do, who they want to care for them and where they want to live, if they need that kind of assistance, you will probably be surprised with their answers.
  3. Ensure that they have a current estate and tax plan. These need to be updated regularly as things change, we recommend reviewing every 2-4 years or sooner if needed.
  4. Before providing financial resources ensure that you understand the legal and financial implications.

With interest rates so close to all-time lows and banks not paying much in interest since 2008, this is a perfectly normal question to be asking. We view savings as funds for opportunities and emergencies, money that will either allow you to grow your wealth or money that will allow you to face the unexpected without the additional stress finances can so often bring. The higher your level of wealth the higher the amount you should have in savings. The research shows that wealthy families around the world benefit regularly from having 6-9 months of expenses in an emergency fund and an additional dollar amount equal to your emergency fund that is earmarked to take advantage of opportunities in investments, business and life.

Write it down or use a budgeting system, like the one we give our clients 24/7 access to. You need to start with what you pay out of each paycheck, then make sure you have added any monthly, quarterly, semi-annual, or annual expenses. We often see expenses like taxes, insurance, education, vacations and entertainment missed when people build a budget. After you have done this, you need to first put money into savings or investments so that you can accomplish your future goals. Then you will need to save for your non-monthly payments and your monthly bills and then make sure you are paying down debts and adding to your entertainment and vacation funds.

First, you must understand good and bad debt, Good debt is defined as debt that is used to buy assets that put money in your pocket, such as rental property. Bad debt is debt that is used to buy liabilities (depreciating assets) that take money out of your pocket, such as a car.  After you have a budget in place and have accounted for the dollars you have coming in, you need to build a plan for paying off bad debt. We have found that our clients that are most successful in shedding the debt and building wealth is what is known as the avalanche method. This method has 3 steps:

  1. Make the minimum payment on all your accounts.
  2. Put the rest of your debt budget towards the account with the highest interest rate.
  3. Once you have paid off the highest interest rate debt, start paying off the account with the next highest interest rate and then continue these steps until all the bad debts are paid off.

Good debt is defined as debt that is used to buy assets that put money in your pocket, such as rental property or a business. Before you go into debt, we recommend having a financial planning discussion to analyze your intentions and the cash flow that the asset will bring in. You should also understand the legal implications and how you should structure your debt to make it the most tax efficient transaction possible. Good debt, when used and planned for correctly can be used to create access to streams of income for today, tomorrow and generations into the future.

The greatest skill we have is being adaptive to the needs of those we coach.

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Securities offered through Kestra Investment Services, LLC, (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC, (Kestra AS) an affiliate of Kestra IS. Adaptive Wealth Partners is not affiliated with Kestra IS or Kestra AS. Kestra Investment Services does not provide legal or tax advice. Investor Disclosures

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. Neither Kestra IS or Kestra AS provides legal or tax advice. For additional information, please contact our Compliance department at 844-553-7872.

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