Financial Strategist and Optimization expert. Utilization of a philosophy that provides protection, savings and growth. In order to accumulate, distribute and transfer wealth in the most efficient method possible. Assisting clients understanding of a "Begin with the end in mind" strategy. Allowing for maximum utilization of assets without the fear of running out of money.Everyone deserves to take distributions at retirement in the range of 7-13 percent and not be relegated to traditional distributions of 2-5 percent.The way your money works during the accumulation phase of your life (income earning years) is completely different than the distribution phase (retirement years) of your life. It's extremely important to understand that change well before you get to retirement.