Stages of Financial Freedom ®

We wrote the book on the Stages of Financial Freedom® and are prepared to assist you in avoiding the dreaded "Uncontrolled Depletion Mode" many unwary investors (and retirees) get caught up in.

It takes much more than wealth accumulation and prudent investment management to be able to maintain a desired standard of living with no earned income. The ideal state of financial security and independence needed to retire with little or no risk of depletion takes the utmost in integrated investment, retirement, tax and estate planning. This is why our firm has four specialties deeply rooted in these complex areas of finance.

Joseph Janiczek's award-winning book, How to Achieve Absolute Financial Freedom, thoroughly defines the seeds (attitudes), stages and habits of financial freedom. Below is a graphic representation of the Stages of Financial Freedom® as well as free copies of select chapters from this book. We believe all investors in the accumulation, transition or optimization stage of retirement need to understand the Stages of Financial Freedom in order to be able to maintain a desired standard of living with no earned income. The risk of wealth depletion is high, particularly for investors and retirees who do not understand all of the elements that impact wealth preservation. We sincerely hope this information assists you as you make important decisions about your retirement.