To start, I believe life is too short, and too precious, to waste worrying about things you can’t control but I still want to live a meaningful and successful life. I attract clients who share my values.
Instead, we agree that spending time doing activities that provide us with value, create lasting memories and sends positive energy to everyone around us is more important and worthy of our time and energy.
Professionally, I am first and foremost a CERTIFIED FINANCIAL PLANNER™. This means I help families and businesses protect and grow their wealth. My clients tell me that they work with me because:
- My approach to financial planning is unique, simple and effective.
- I understand who they are and what their goals are and why they have them.
- I help them focus on what they want to spend time on and less time worrying
- They trust I have the experience and knowledge to help them make the right decision regarding their wealth.
If you feel uncertain about your current financial situation, contact me. Let’s have a conversation to see where you are at and how to make your life better.
I work my financial planning business through Decision Tree Financial which I started in 2009.
In a nutshell, I personally believe in looking for ways to improve and simplify the way my clients do things so that they are taking calculated risks where the odds are in their favor to succeed.
Why I am a Certified Financial Planner™ and Chartered Life Underwriter®.
In a past life I worked in the engineering field providing services to power plants, paper mills and oil refineries all over the North America. I eventually moved to Orlando where I became an application specialist for Vivendi working with organizations such as Disney, NASA and Lockheed Martin providing them with high purity water treatment solutions.
I eventually started several stores to take advantage of the boom in wireless phone service. I invested ALL (as in 100%) of the money I had made in the stock market during the 1990’s and all of my time into work because I was brought up believing that you “have to put 100% into something to succeed” and that “it takes hard work” to succeed.
I figured that I could get through anything if I just worked hard enough. I was 31 and had all the energy in the world.
This turned out to be a really bad plan….
In late January, I went to the doctor because I found a lump in my neck and I was diagnosed with lymphoma. Because I never considered what would happen if I couldn’t work 20 hour days the consequences of my diagnosis and the its treatment caused my businesses to fail. I lost everything I had at that point with no back up plan to replace my income while I received chemotherapy and radiation therapy.
The agony of losing everything while my body was beaten down by an aggressive treatment plan that caused me to start asking “What could I have done differently; what could I have done better.”
This experience brought me to the insurance industry where I started with MetLife when my treatment was over.
I eventually started Decision Tree Financial in 2009. I have since been an advocate of taking calculated risks, examining the upside and downside of various financial decisions and putting a plan in place to remain flexible and financially strong when uncontrollable situations arise.
“That” treatment plan from 2003 didn’t come without its own set of consequences though. In 2015 I started having trouble swallowing. I went to the doctor in January 2016 and I was diagnosed with a much more aggressive esophageal cancer that had spread into my stomach.
Like anybody would, I googled my diagnosis and saw that I had a very low probability of surviving. Emotionally it was devastating. I had a 1 year old and another child due in May!
Luckily, I had a pretty good financial planner (myself) who suggested a few years earlier that I purchase the insurances I would need IF anything like an accident or illness occurred.
I knew medically that I would have an uphill battle but I knew that while I fought I wouldn’t have to worry about money like I had in 2003 while also having peace of mind knowing that if i had lost the battle to the disease then my kids would be taken care financially.
Of course, I am still here. My doctors say that my recovery is a “miracle” I just say it was a great medical team, wheat grass and maybe a little luck….
I want to enjoy my life and do things that make myself and others happy.
I attract clients who share this same belief. I love to hear about their story and what they want out of life and I work with them to create a plan to get them there.
It is professionally satisfying for me to hear my clients say things like “I didn’t know that you could do that” or “so that is how that works.” I know that when they say phrases like this they can see that they will have more time to do what they want to do and have less likelihood of spending time and money on situations they would rather not be wasting their time with.
I am based in Florida and work with clients all over The United States. Many are referred to me by others that have enjoyed working with me and some find me in on the internet.
I want to make a positive impact in the lives of the people who come to me for guidance. Let me know how I can help you. Contact me here and lets have a 30 minute conversation – Kevin