This web site is designed to provide you with an understanding of the three financial phases of life called Wealth Creation, Wealth Distribution, and Wealth Conservation. These three phases make up the complete process of Personal Financial Engineering. All three phases should be reviewed and analyzed simultaneously throughout one's lifetime in order to achieve the best results.

The Wealth Creation phase focuses on saving and investing money for both current and future needs, wants, and desires such as cars, homes, appliances, children's education or for one's own retirement. Most people are persuaded to compound interest, use dollar-cost-averaging, allow dividends and capital gains to be reinvested, and have a tax deferred retirement plan such as an IRA, 401K etc. Many of these techniques have advantages but also contain disadvantages that if unchecked will seriously erode one's wealth. Personal Financial Engineering will assist you in avoiding these common mistakes while providing an efficient and effective strategy to create more wealth.

The Wealth Distribution process is the phase when people need or want their money. It can be very costly if one has not properly planned for its occurrence. Excessive income taxes, early withdrawal penalties, sales charges, restrictions or inflationary pressures can substantially reduce the distribution of one's wealth. Personal Financial Engineering will assist you in overcoming these eroding forces when you want the distribution of your wealth.

The last phase of a financial life is called Wealth Conservation. Leaving wealth to family or to others we choose without considerable wealth erosion is not an easy matter. Entire wealth estates have been dramatically reduced because of the lack of planning. Estate taxes, income taxes, attorney fees, accounting fees, appraisals, penalties, sales charges, and forced sale of assets are waiting to confiscate your wealth and provide frustration and distress to your heirs. Personal Financial Engineering provides the framework for a smooth and efficient transition of one's wealth with the least amount of erosion while still allowing for complete control and enjoyment of the assets.