If you are not engineering your financial life, someone else is!I’ve come to realize that there are two specific groups of people that are most in need of effective financial planning. People nearing retirement are faced with a lot of questions and, in many cases, a lot of fears. Due to the complexities of running a business and a household, small business owners need financial guidance more than most professionals.If you find yourself asking questions like the following, we should schedule a bit of time to talk.• Am I tax diversified? • How much of my Social Security Income will be taxed due to my retirement plan?• How much of my 401k / SEP IRA / IRA is mine? How much is the IRS’s?• Are there strategies to move my portfolio out of harm’s way if there is another 2008?Our simple mission at F3 Wealth Management is to reduce or eliminate taxes during your working years and create tax-exempt retirement income streams.In 1999 my dream of becoming a financial planner was realized. At that time, I didn’t fully realize how harmful traditional financial planning strategies were. By 2004, my thought processes had completely changed, and I founded my firm based on contrarian strategies that you won’t find in traditional financial planning. It’s not uncommon to create 100% - 200% more retirement income through these contrarian strategies. And as a Registered Investment Advisor, I can truly be a fiduciary to my clients. When I am not meeting with my clients, I am spending time with my beautiful wife Lisa and our two kids, Cameron, and Bailey. I enjoy chasing elk through the woods with a bow and restoring old vehicles. My son and I are currently working on a complete restoration of his first vehicle, a 1973 Toyota Landcruiser FJ40. As a dedicated Rotarian for more than a decade, I give back to our community as often as possible.Connect with me if you have specific financial needs related to your business or if you have a bit of worry as you approach retirement. I am here to serve.