IF YOU ARE NOT ENGINEERING THE FLOW OF YOUR MONEY, THEN SOMEONE ELSE IS ENGINEERING IT FOR YOU !!! Financial Engineering You and your family members make dozens (if not hundreds) of financial decisions each year in areas such as: Investments Home Financing Auto Financing Insurance Credit Cards Retirement Plans Directly or indirectly, your partners in these decisions include the government, for-profit and non-profit corporations, and financial institutions. It should come as no surprise that these partners have cash flow requirements, just as you and your family have cash flow requirements. You have a finite supply of money. You would like to keep it. Your partners would like to have it. How do you, as a consumer, make efficient decisions in the aforementioned areas that result in the maximization of both money supply and benefits without sacrificing lifestyle and without taking undue risk. Too many consumers rely on the opinions of others or on marketing schemes when they make these important financial decisions. Inefficient financial decisions can unfortunately result in mistakes that can make a difference of thousands and sometime millions of dollars in a family’s financial picture. There is one and only one method accepted worldwide when it comes to testing hypotheses in any field – and that method is the scientific method. The scientific method allows consumers to determine (i.e., verify) what dollars they should direct and when those dollars should be directed or redirected into or out of assets such as: Mutual Funds Stocks Bonds Cash Instruments Auto Insurance Hazard Insurance Life Insurance Traditional IRAs Roth IRAs 401(k) Plans Trusts Real Estate The use of the scientific method can provide answers to questions such as: “How can I withdraw money from my traditional IRA’s without paying the 10% penalty even if I am younger than 59 ½ ?” “What is the relationship between my auto insurance policy and my stock portfolio?” “I keep reading that for every dollar in my retirement account on the day I retire, I should plan to withdraw only 4 cents per year. How can I improve upon that income stream without running the risk of outliving my money?” By applying the scientific method to each and every important money decision that you make, you can assure yourself that you will be making the most informed decision possible. Please contact me for further information or to set up a meeting where you can learn more about the financial engineering process and how easy it is to have you and your family’s finances evaluated using the scientific method. Please click here to learn more about me, my background, my affiliations, and my licenses. Please click here to get an understanding of why the scientific method should be applied to the financial decisions which affect you and your family. Please click here to see a brief description of process that I take my clients through as they discover how the scientific method can improve their ability to make efficient financial decisions Please click here for a short description of the three phases of retirement planning as viewed and analyzed using a financial engineering (macroeconomic) process (i.e., learn the P-P-P approach to retirement planning).