True Money Mindset

True Money Mindset We help business owners, investors, and farmers protect wealth, reduce taxes, and build
generational wealth through strategic financial planning. (CIA).

We help business owners, investors, and farmers protect wealth, reduce taxes, and build
generational wealth through strategic financial planning." This site is for informational purposes only, does not constitute individual investment advice, and should not be relied upon as tax or legal advice. Please consult the appropriate professional regarding your individual circumstance. Securities offered

through Concorde Investment Services, LLC (CIS), Member FINRA/SIPC. Advisory Services through Concorde Asset Management (CAM), an SEC Registered Investment Advisor. Insurance products offered through Concorde Insurance Agency, Inc. CIS, CAM, CIA and I are not affiliated, cannot verify accuracy of, nor assumes responsibility for any content of linked third-party sites.

This morning I sent an email explaining something that's been on my mind for a while. After helping families, farmers, b...
07/30/2026

This morning I sent an email explaining something that's been on my mind for a while.

After helping families, farmers, business owners, and investors for more than 30 years, I've realized my job has never really been about taxes, investments, or insurance.

Those are just tools.

The real work is helping people make good decisions when life gets complicated.

Going forward, you'll see more stories from my life.

Stories from the farm.

The woods.

My family.

And lessons I've learned helping clients through some of life's biggest decisions.

Every story has the same goal:

To help you think ahead.

Avoid expensive mistakes.

And protect what you've worked so hard to build.

That's the kind of work I've always enjoyed the most.

If this resonates with you, reach out.

People often ask me where I learned the lessons I use with clients. Some came from being a CPA. Some came from working w...
07/29/2026

People often ask me where I learned the lessons I use with clients.

Some came from being a CPA.

Some came from working with families for more than 30 years.

But many came long before that.

From my grandpa.

From farming.

From making mistakes.

From raising four kids.

I've found that the best financial lessons usually aren't about spreadsheets.

They're about people.

Preparation.

Patience.

Stewardship.

Good decisions made before there's a crisis.

That's why you'll notice me sharing more stories.

Because stories are easier to remember than rules.

And sometimes one story can help someone avoid a mistake they'll never have to make.

If this resonates with you, reach out.

Over the years, I've noticed something. The biggest financial mistakes rarely happen because people aren't smart. They h...
07/28/2026

Over the years, I've noticed something.

The biggest financial mistakes rarely happen because people aren't smart.

They happen because life doesn't give you a practice round.

A business sells.

A spouse passes away.

Someone retires earlier than expected.

A family farm changes hands.

Those moments don't come with an instruction manual.

For more than 30 years, I've had the privilege of helping families work through decisions like these.

What's interesting is that many of the lessons I've shared with clients didn't begin in my office.

They began on the farm.

In the woods.

Working beside my grandpa.

Raising a son and three daughters.

Over the coming weeks, I'm going to start sharing more of those stories.

Not because they're entertaining.

Because each one taught me something about making better decisions when the stakes are high.

If one of those lessons helps someone avoid an expensive mistake, it'll be worth sharing.

If this resonates with you, reach out.

One thing stood out to me after meeting with two different families this week. The younger family didn't have enough tim...
07/23/2026

One thing stood out to me after meeting with two different families this week.

The younger family didn't have enough time.

The older family thought they had more.

Neither had an estate plan.

One of the biggest myths I hear is that estate planning is something you do after you retire.

That's simply not true.

The purpose of an estate plan changes as life changes.

When you're younger, it's often about protecting your children.

Later in life, it's about protecting your spouse, your assets, and the legacy you've worked so hard to build.

The best time to put a plan together isn't when life forces the issue.

It's while you still have every option available.

If this conversation has been sitting on your to-do list for years, let's change that.

If this resonates with you, reach out.

How do you go from your late 20s to your 60s... and still not have an estate plan? That's over 30 years of saying: "We n...
07/22/2026

How do you go from your late 20s to your 60s... and still not have an estate plan?

That's over 30 years of saying:

"We need to get a will."

"We'll do it next year."

"We just haven't gotten around to it."

Life has a way of getting busy.

Kids.

Careers.

Businesses.

Retirement.

Before you know it, decades have passed.

The unfortunate part is this:

Unexpected events don't wait until your planning is finished.

The good news?

This is one of the easiest problems to fix.

A little planning today can save your family from a lot of difficult decisions later.

If this resonates with you, reach out.

"We've been meaning to do this for years."I heard that twice this week.The first time was from a couple in their late 20...
07/21/2026

"We've been meaning to do this for years."

I heard that twice this week.

The first time was from a couple in their late 20s with young kids.

The second time was from a couple getting ready to retire.

Different ages.
Different stages of life.
The same unfinished conversation.

One family needed to answer:
Who would raise our kids if something happened to us?

The other needed to answer:

Have we done enough to protect what we've spent decades building if long-term care ever becomes a reality?

The risks change.

The need to plan doesn't.

Estate planning isn't about dying.

It's about protecting the people you love while you still get to make the decisions.

If you've been saying, "We've been meaning to get this done," maybe it's time.

If this resonates with you, reach out.

The most expensive mistake isn't always making the wrong decision. Sometimes it's waiting because you don't know what yo...
07/09/2026

The most expensive mistake isn't always making the wrong decision.

Sometimes it's waiting because you don't know what your options are.

I've watched business owners delay selling.

Farmers postpone succession planning.

Investors sit on appreciated property.

Not because they were lazy.

Because they didn't know which path made the most sense.

Years ago, one conversation helped a client completely rethink an $800,000 decision.

Today, we're still working together.

That's why I love what I do.

Helping people make good decisions when the stakes are high.

If there's a decision you've been putting off because you're unsure what your options are...

If this resonates with you, reach out

One conversation changed an $800,000 decision. Five years ago, I met a businessman in a coffee shop while I was travelin...
07/07/2026

One conversation changed an $800,000 decision.

Five years ago, I met a businessman in a coffee shop while I was traveling.

We talked for about an hour.

At one point, I grabbed a napkin and sketched out a few ideas.

Nothing complicated.

Just another way to think about the decisions he was facing.

A few days later, he sent me a note.

One line has always stuck with me:

"Because of our meeting I decided to yank $800,000 and reallocate it toward the four acquisitions I'm planning."

He also decided to move forward without outside investors, allowing him to keep more control and ownership.

That's the power of seeing another option.

I've learned that most successful people aren't looking for someone to make decisions for them.

They want someone who can help them see what they might be missing before they commit.

If you're facing a major decision involving your business, real estate, taxes, or retirement, don't assume you've seen every option.

Sometimes one conversation changes everything.

If this resonates with you, reach out.

One of the biggest myths in financial planning is this:"We'll get to it later."Later review the estate plan.Later update...
07/03/2026

One of the biggest myths in financial planning is this:

"We'll get to it later."

Later review the estate plan.

Later update beneficiaries.

Later organize the business.

Later discuss succession.

Later talk to the kids.

Then one day, later runs out.

I've sat with families after unexpected deaths.

The financial problems are usually manageable.

The confusion is what hurts.

Nobody knows where things are.
Nobody knows who makes decisions.
Nobody knows what Dad wanted.

That's why we plan.

Not because we're afraid.

Because we love the people who will have to carry on without us someday.

We make decisions that last 30 years, not 30 days.

If this resonates with you, reach out.

Address

112 North 11th Street
Escanaba, MI
49829

Opening Hours

Monday 8am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+19062331650

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