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IGNORE THE CROWD...make smart decisions with your hard earned money!

Hello, I'm Stuart Neff, and I believe that the Government
and the Financial Institutions get too much of your money. With the ideas on this site you can plug your money leaks and become a Wealth Creator.

Who Will Profit From This Information?

The following is not common, mainstream knowledge. It is though the financial wisdom that I have garnered through personal experience as a fulltime financial adviser since 1985 and it has enriched the lives of many. I solve real life financial problems and those that will profit most from this knowledge are characterized by the following:

1. Happily married, residing in Anne Arundel County, MD.

2. Residing in an owned or mortgaged home,

3. Gainfully employed, most likely by the private sector, or a sucessful business owner,

4. Have one or more children (or grandchildren) that you plan to put through a minimum four years of college and want to save for it,

Financial Advisor, Financial Planning Services | Annapolis, MD

5. Expect a comfortable retirement at age 65 or before and are saving/investing for that purpose,

6. Friendly, positive and open minded;serious about money with a strong desire to live a financially successful Life.

This is my comfort zone: If this is you I can have a substantial, positive, measurable impact on your financial life almost 100% of the time. You are invited to become a part of my clientele, to become a Wealth Creator and to reach your full financial potential!

How, As A Wealth Creator, Do I Differ From Other Advisors?

First: The Wealth Creator strategy will help develop and/or strengthen your financial position by accumulating and ever increasing pool of capital with liquidity and uninterrupted compounding. You have much more control over your saving behavior than you do over the returns on your savings. Greater savings reduces return dependence. But Wealth Creation is as much about spending as it is about saving. My strategy extends further to show the most efficient method of using your accumulated pool of money to pay for things that require large outlays of cash - college tuition, cars, investments, yachts, vacation homes as examples. Fundamental to my strategy is that the money in your savings account(s) must be accessible through collateralization.

Second: My belief is that there is more financial opportunity for you in avoiding losses than there is in picking winners. Working together we can improve your quality of life by reducing risk and adding a higher degree of certainty, especially as it pertains to college savings and retirement planning. The financial institutions are involved in nothing but short-term speculation, a practice fraught with risk and antithetical to sound long term investing. Today, most people in financial services say that they are in wealth management. That does not mean that their focus is making you wealthy; however, it does means that they want to move your wealth from wherever it is to their management with the promise that they'll do better than the previous wealth manager. They are always talking about better investment and higher rates of return. Of course, that always involves greater risk. This can increase your wealth, but just as often, it does not. Wealth managers rarely do retirement income or college cost planning. The number one objective of the wealth manager is moving your money to build up their assets under management. They rely on the underlying mutual fund managers to increase the return; they hope for the best. Wealth managers make a wonderful living from your retirement assets TODAY while you must wait until age 59 1/2 to see what is left. It's amazing!!

Third: Wealth Creation is also very much about finding money. My commitment is to find money that you did not know that you had. I call this transferred money, money being transferred away, unknowingly and unnecessarily. Not all transfers are avoidable but more often than not transferred money can be found in mortgages, in the way you fund your retirement, in the way you save for college, in taxes, term insurance, credit card interest, in mutual fund fee and losses and in many other places. Transferred money, once identified, can be recaptured (along with its opportunity cost) and used in one of two ways: (1) to increase you accumulated retirement assets or (2) to enhance your current lifestyle!

Forth: Wealth Creation is not about products, i.e. where you put the money; it is about improved financial efficiency. Persuading you on products would be like a golf pro teaching his student to improve his game by purchasing new clubs. New clubs may help, but keeping the old clubs and developing an efficient swing will change his game dramatically. After hard work perfecting an efficient swing, he finds that his old club hits a lot farther than it used to. Wala! Yardage and accuracy he didn't know he had! As your financial swing coach, I want to dramatically improve your financial efficiency and find money you didn't know you had! The financial Institutions offer you various products (new clubs); but they never teach the rules or the winning strategies!! You learn that on your own and those lessons come at a great price. My goal is to improve your financial efficiency so that your hard earned money can do all that is possible. How does that fit in with what you are looking for?

Fifth: You will never be asked to accept my opinion on any aspect of the Wealth Creator stratedgy. Every proposal and recommendation will be fully supported by simple math; once your financial life (present and future) has been put on a spreadsheet, you can examine the number and decide how you'd like to proceed. As a Wealth Creator, CONTROL of your money is critically important. As a result of working with me, you will be in control and have more benefits, pay lower taxes, have less risk, and substantially more spendable income than you would have had we not met. You will be living a financially successful life.