Do you want to get in shape financially in just one year?

You can do it—this no-cost program guarantees that you will be financially fit in one year. You will have money in the bank. You will be well on your way to a secure financial future, including a comfortable retirement.

Best of all, it will cost you nothing.

There is nothing to buy. I would even say that there is a money-back guarantee, except that there is no cost to be in the program—all it takes is a commitment to follow instructions.

Every two weeks, I will send you an email with your next steps. You will have two weeks to complete your assignment. You can do it on your own, or you can send me information back—it does not matter. The important thing is to complete the assignment, so you are ready for the next step.

Achieving Financial Fitne$$ is easy to do.

It doesn’t involve exercising, sweating, discomfort, exhaustion, or even getting off the couch. Plus, you’ll see benefits every step of the way.

One year can seem like a long time, or a short time. Just think back to this time, last year. You’ll remember some things like they happened just a few days ago, and you’ll also see that you have projects and tasks that you were sure you would have completed by now, but you have not even started.

My goal is to make achieving financial fitness for you so easy that, one year from now, as your review your finances, you’ll be amazed at how far you’ve come, and how short a time it took.

Here’s how “One Year to Financial Fitne$$” works:

Every other Friday I will send you an email with a task to complete. You do not have to send it back to me—it will be obvious as to how you use the information. The following Friday I will send you a reminder email, because I know that you are busy, and that, mentally, you’d rather focus on other things. But that is the extent to which I will push you. I will not try to sell you anything. I will not inundate you with other emails.

If you need to ask me questions, I will be available. But you should be able to progress on your own.

Here’s what you will achieve in just one year:

  • You will clearly understand where every penny of income comes from, and where every penny gets spent.

  • You will have a bank account with a substantial sum of money in it.

  • You will be in control of your finances, instead of having your finances control you.

  • You will be less stressed about money.

  • You will have seen how easy it is to keep more of the money you earn.

  • You will have money to invest.

At that point, and not before, we can discuss options on where you might invest the money, and I’ll try to point you to people who might be able to help.

Why I am doing this:

I do not manage investment accounts, bank accounts, retirement accounts, etc. I do sell life insurance, disability insurance, and property insurance.

If you’ve read any of my books, you know that I want you to benefit from the mistakes I’ve made in my 40+ years in business. I want to protect you from bad advice. I want you become as financially fit as my children are becoming, by following low-risk and no-risk strategies that you control, and that cost you nothing.
Most of want you will learn to do is what you should have learned in school, except for the fact that no one bothers to teach it anymore, because no one can make money off of you by teaching it to you. And the advice economy is geared around selling you information, not providing it for free, or teaching you.


At the end of the program, a year from now, I will talk to you about life insurance. I strongly believe that some types of life insurance should be part of your portfolio and retirement plan. But it should be only a small part, and wisely chosen.
Eventually, I hope to sell you a life insurance policy. But I don’t even want to talk about it until a year from now. I hope to earn your trust and confidence, so you feel comfortable working with me.


This program is an investment on my part in cultivating a relationship with you that will benefit both of us.


And that is what relationships should be.