Fee-only wealth and exit planning advisor for business owners. Founder @lifemoveswealth, creator of the #BOSSMethod. Tweets ≠ financial advice.
Scottsdale, AZ
Joined December 2008
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Dale Shafer II, CFP® retweeted
People who only see cost: I am not going to hire someone, that costs money
People who understand value: Hiring them will make my life better and free up my time to make more money, spend time with family, do things I enjoy, etc.
Dale Shafer II, CFP® retweeted
People often judge financial advisors by one thing:
“Did you beat the S&P 500?”
But that's not how real financial planning works
A good financial advisor is not just picking investments
They help you:
- Organize your entire financial life
- Understand your cash flow
- Make tax decisions
- Think through equity comp
- Evaluate business opportunities
- Stay accountable
- Make big decisions faster
- Make decisions that align with you and your life
- Avoid big mistakes
- Free up your time
Why does your net worth matter?
This a great question. At any age, net worth is the foundation of financial planning. #buildingwealth #moneypurpose #networth #lifemoveswealth
Dale Shafer II, CFP® retweeted
If you are constantly somewhere between:
1) I want to enjoy life because the world is insane right now, my kids are young, & tomorrow is never guaranteed.
2) I want to be a prudent saver & investor for the long term.
3) Everyone else is getting rich right now and I’m not, so I’ll never get ahead.
Welcome to the club.
The solution is called personal financial planning.
Major potential tax advantage to consider!
Dale Shafer II, CFP® retweeted
Mike retired at 54 with $ 4.1M.
He had done everything “right”:
• Maxed out his 401(k)
• Saved consistently for 30+ years
• Paid off his home
• Avoided debt
But:
100% agree. This is the way to do tax planning correctly 👏
Unpopular opinion from a CFP who works with $400 k to $ 1M+ earners:
Most high earners are managing their taxes wrong.
They chase strategies. They ignore the mechanics.
Result? A $30 k to $50 k surprise bill in April. Most of the times a penalty on top of it.
Here's the 6-steps I use with clients to fix this...
It’s not just a paper charge. It assumes:
1) there’s no inflation response, only growth (not likely)
2) fed monetary policy influences reduction in fiscal policy (it doesn’t)
3) federal interest debt reprices immediately (it doesn’t)
4) no additional government borrowing occurs (lower rates = refinance = more spending)
5) the math is totally perfect (it isn’t)
Bottom line: aggressively cutting interest rates does not equal government fiscal savings. This guy wants rates lower to refinance debt, which does not solve the problem. They will continue to borrow at higher levels because the debt is less costly. They have shown this time and time again. He will simply redirect the interest “savings” to some other portion of the federal spending list. Let’s go ahead and be real and not call it a budget.
.@POTUS: "Interest rates should be lower. Every point is $600 billion... if we went down two points, we don't have a deficit anymore—and that's without cutting... When you think about it, it's a paper charge. We should be the lowest interest rate in the world."
JUST IN: anyone can do this NOW without the strings attached… and, the availability to save for your child’s future is not a novel idea. Skip the July 4th wait and start the compounding now.
JUST IN: Treasury Secretary Scott Bessent says a $1000 deposit into a Trump Account at birth should grow to $500,000 by retirement.
“Assuming historical growth rates continue, a single $1,000 deposit into a Trump Account at birth…”
“Should grow to an estimated amount of at least half a million dollars by the age of retirement.”
“Any American below the age of 18 is also eligible to receive a tax-advantaged Trump Account to begin saving for the future.”
Dale Shafer II, CFP® retweeted
Dave Ramsey didn't get to be worth $200million by never using a credit card and paying off his home early
He got to $200million by selling that idea to you
Dale Shafer II, CFP® retweeted
🚨IMPORTANT: 529 plans just became more powerful under the new tax bill.
If you have kids (or plan to), you need to know these changes.
Here's what's different:
It’s ridiculous how happy this makes me!!!
#Spaceballs2
Most people don’t want their financial advisor to obsess over outperforming the market.
What they really want is clarity and confidence—answers to the questions that keep them up at night:
❓ Will I run out of money in retirement?
❓ Can I maintain my lifestyle if the market or taxes change?
❓ What happens if I need long-term care but can’t get insurance?
❓ Is it OK to spend on a dream trip without derailing my plan?
Yet too many advisors stay focused on products and market forecasts.
At Life Moves Wealth, we take a different approach:
✅ We prioritize cash flow, tax strategy, estate planning, risk management, and business financials—because that’s what builds true financial independence.
If your advisor isn’t talking about these things, it may be time for a second opinion. We’re here to help. Start here ➜ lifemoveswealth.com/
#FinancialPlanning #RetirementPlanning #TaxStrategy #LifeMovesWealth #BusinessOwnerFinance
Owning a business is hard work. Restless nights. Personal financial risk. Stress of making payroll. Figuring out how to strategically grow your business. Finding the right people to help you do it.
We recognize that business owners don’t just need traditional investment management. You need a fully integrated strategy that aligns business profitability with personal financial independence. Most importantly, what you really want is financial clarity.
The B.O.S.S. Method™ (Business Owner Strategic Success) is designed to give you clarity, control, and confidence that both sides of your financial world—personal and business—are working together.
Learn more here: lifemoveswealth.com
Ever feel like distractions are constantly pulling you off course?
Here’s the real question: What are they costing you?
In Episode 85 of the Financial Purpose Podcast, I take a deeper look at opportunity cost—one of the most overlooked forces shaping your financial decisions.
Learn how to:
•Evaluate financial trade-offs with clarity
•Prioritize time, money, and energy like a business owner
•Make strategic moves that align with long-term goals
The most successful people aren’t working harder… they’re thinking smarter.
Tune in and learn how to apply this mindset to your business and life.
#business #strategy #businessowners #opportunitycost #financialplaning #strategicthinking #BOSSMethod