Finally, Someone
Who Gets It
GET YOUR PERSONALIZED ROADMAP IN
TWO POWERFUL SESSIONS
You've been invited to work with me.
This invitation expires in 7 days.
During Our Clarity Call, You Probably Felt Something I Hear All the Time
"Finally, someone who understands what I'm going through."
You're not broke. You're not financially illiterate. You're successful by every external measure.
But you're tired of:
- Opening your accounts and feeling that wave of anxiety instead of confidence
- Making financial decisions based on guesswork while wondering if you're missing something important
- Working harder for more money but never feeling like you're getting ahead
- That constant background stress about whether you're on track for the life you actually want
You want what every high-achieving professional deserves: clarity about where your money is going and complete confidence that you're building toward time freedom.
Here's what I know about you: You're not looking for basic budgeting advice or generic "spend less than you earn" tips.
You need a personalized roadmap designed specifically for someone who wants to optimize their financial life and work toward freedom, not just security.
And you need the expert guidance and accountability to actually implement it.
Nice to Meet You
I'M JOE.
MY STORY: From Trapped in Corporate to Complete Time Freedom
Six years ago, I was exactly where you are now.
Good salary as a biomedical engineer managing $4M+ revenue and 20+ people. Looked incredibly successful on paper. But I was living paycheck to paycheck, accumulating debt, and trading my life energy for a job that was slowly destroying my health.
My wake-up call came at 31 when my doctor suggested blood pressure medication and warned me about heart attack risk before 40. My cholesterol and triglycerides were through the roof and my health was in the toilet. All from the stress of working 60+ hour weeks while feeling financially trapped despite my "good" income.
That's when I discovered the life-changing concept from Your Money or Your Life: every second working for someone else I was trading my limited life energy for money.
I realized how much life energy I'd "wasted" working for a toxic boss, earning sub-optimally, and spending on things that didn't align with my values.
The hardest part wasn't the money. It was letting go of an identity that wasn't authentically mine.
I had to shed status possessions, end my first marriage when our visions diverged, lose my home and comfortable life, and completely rebuild around what actually mattered to me.
At 36, I achieved full financial independence. Not theoretical. I actually retired early from corporate and now live completely on my terms.
Today, I wake up when I want. I take 2-3 hour midday breaks for the gym, lunch, and walks with my wife, Jamie, and our dog Mili. I work with people I love, on my schedule, from anywhere. With my guidance and her hard work, Jamie retired early in 2024 and joined the business. We're currently traveling the world together, prioritizing adventure and experiences as part of our remarkable life.
Everything is aligned with my values. And while I couldn't have predicted these exact circumstances, I was always heading in this direction.
This is what's possible when you design your financial life intentionally instead of just letting it happen to you.
How We'll Transform Your Financial Life in 3 Simple Steps
STEP 1: GET CLEAR ON YOUR GOALS & MINDSET
The first session is about you, not your spreadsheets.
Before we meet, you’ll complete a short questionnaire about your money story, what you value most, and the life you want to design. It’s not homework. It’s the foundation that makes everything else in this program personal to you.
In our first 60-minute session (75-minutes for business owners), we dig into your relationship with money, the specific challenges keeping you stuck, and where you actually want to go. You’ll start to see the patterns that may be holding you back and you’ll leave with total clarity on your goals with a clear plan for gathering your numbers before Session 2.
STEP 2: DIG INTO THE NUMBERS & REFINE YOUR PLAN
This is where vision becomes strategy.
Before our conversation, I dig into your numbers. By the time Session 2 starts, I already know your situation and you never have to justify each little expense. We skip the shame and get straight to work.
In our second 60-minute session (75-minutes for business owners), we walk through the personalized roadmap I’ve built specifically for you. Hard numbers, real scenarios, and never generic advice. Depending on what your situation calls for, that might include debt payoff timelines, advanced scenarios forecasting, optimizing tax efficiency, or a path to work-optional life.
You’ll leave with a custom roadmap that’s yours and a partner to help you actually implement it.
STEP 3: IMPLEMENT WITH CONFIDENCE
A great plan only works if it gets off the ground.
After our sessions, you don’t go it alone. For the next 30 days, I’m in your corner; Answering questions, troubleshooting roadblocks, and making sure your new systems actually stick.
You'll walk away from the program with:
✓ Your personalized financial roadmap so there's no more guessing what to do next
✓ 3-4, high-impact action items with exact steps to implement
✓ A simple automation system designed for your exact situation
✓ 30+ days of email support while you implement the changes
✓ Complete confidence in your financial direction
"You now have a clear financial picture, a plan that actually fits your life, and a simple next step. No more guessing."
"Working with Joe helped ease the shame I felt and has given me so much peace of mind about my finances. We worked out a budget that I can stick to and he helped me feel in control of my day-to-day expenses without feeling constrained."
Krissi Driver
"Joe's mentorship helped me pay off over $35k in credit card debt, which I thought I could do by myself but it turns out I needed a little extra guidance. His approach is honest and at the same time, judgment free."
Ben Holt
"Before, we were lost and stressed and overwhelmed; now, we feel we have clarity and control. Joe offered a personalized plan, breaking down complex concepts into simple steps. His support and accountability were invaluable."
Tarra Merett
"Joe helped us put together a plan and get organized. His calm, encouraging demeanor allowed us to determine the roots of our issues without judgment. My main goal for our session was to come up with an easy-to-follow plan, and he helped us do exactly that."
Julia Harper
"I got everything I was hoping for, and then some, in my time working with Joe. I came to him looking for some general guidance on how to manage my money and work toward some financial goals, and left with a complete mindset shift, confidence, and clarity on how to align my day-to-day financial decisions with my personal values."
Melissa Broderick
"Joe is an amazing resource for the busy millennial who wants to take their financial habits from good to great. My only complaint is that I didn't find him sooner! If you are on fence, do it now - you will get an immediate return."
Courtney Lach
The Real Cost of Staying Stuck Another Year
The biggest risk isn't investing in this session. The biggest risk is continuing to second-guess yourself while your goals stay on "someday" status.
My clients typically find over $800 per month in savings and tax optimization. Those who complete this session save and invest an extra $17,000+ in the first year alone.
But the real cost of waiting isn't just money, it's time and peace of mind:
❌ Another 365 days of second-guessing every financial decision
❌ Another year of that pit-in-your-stomach feeling when you check your accounts
❌ Another year of trading your life energy without a clear plan for getting it back
❌ Another year of wondering "what if" instead of knowing you're on the right track
❌ Another year of your time freedom goals feeling like distant dreams
The people who try to DIY this problem face two predictable outcomes:
- They never actually get around to it - it stays on the back burner year after year while stress compounds and opportunities pass by
- They lack confidence in what they've done - constantly second-guessing and wishing they had expert validation of their decisions
Neither option gets you the clarity and confidence you need to build toward time freedom.
Why This Works When
Other Approaches Don't
What Sets This Apart From
Traditional Advisors
-
FI by 36: I’ve lived the transformation, not just sold the theory
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Habits + Mindset Focus: Ongoing support for real behavior change, not just portfolio updates
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Realistic FI Timelines: No inflated numbers that keep you grinding longer than needed
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Transparent Pricing: No hidden fees, no commissions, just coaching
- Values-Based Planning: Money designed around the life you want
What Sets This Apart From
DIY Planning
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Personalized Strategy: Tailored to your exact situation with no cookie-cutter advice
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Expert Eyes: Spotting opportunities + avoiding costly mistakes you might miss
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Built-In Accountability: Making sure plans actually get implemented
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Confidence to Act: Professional validation so you can make bold, clear decisions
What Sets This Apart From
Waiting for ‘Someday’
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Weeks, Not Years: A structured process that actually gets finished
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Clear Roadmap: Replaces overwhelm with step-by-step clarity
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Skip Trial-and-Error: Avoid wasting time and money figuring it out alone
Frequently Asked Questions
How is this different from working with a financial advisor?
What if I don't have time to implement everything?
Is this worth the investment if I'm already doing okay financially?
What if my situation is too complex or unique?
How do I know this is worth the investment?
What if now's not the right time? Can I join the program later?
What financial info do I need to share?
My Promise to You
I'm 100% confident I can help you create clarity and confidence with your money. Here's what I promise when you book your Next Level Program:
✓ I promise to help you create a plan that aligns with your values and moves you toward time freedom
✓ I promise to walk you through that plan so you're excited, free of indecision, and clear on your next steps
✓ I promise to provide specific actions you feel confident executing to optimize your financial position
✓ I promise to use all my skills and experience to help you succeed, including 30+ days of support during implementation
I never take for granted the trust you put in me. You have my word that I'll invest completely in your success.
What I can't promise: Specific financial outcomes in specific timeframes, because your results depend on your implementation and life circumstances. But I can promise the roadmap and support to get you there.
I limit my practice to 8 clients maximum so I can give each person the deep attention this transformation requires.
This isn't a page anyone can stumble upon.
You're here because:
- We had a meaningful conversation during your Clarity Call
- I believe I can help you achieve the financial freedom you want
- You're ready to stop DIY-ing this and get expert guidance tailored to your situation
But this invitation has a deadline.
In exactly 7 days, this opportunity disappears and my focus returns to current clients.
CHOOSE YOUR OWN
INVESTMENT LEVEL
Individuals or
Couples
Business
Owners
The Choice is Clear
Path 1: The Someday Cycle
Continue doing what you've been doing. Hope it works out eventually. Keep second-guessing every decision. Feel that familiar anxiety when checking accounts. Let another year pass with your time freedom goals on "someday" status.
Path 2: The Guided Roadmap
Get the personalized roadmap and expert guidance you need. Walk away with complete confidence in your financial direction. Start implementing changes that put you on track for the time freedom you want, with ongoing support to ensure you succeed.
I can only guide people who are ready to invest in their transformation and take action.
The question isn't whether this approach works… my clients' results prove it does.
THE QUESTION IS: ARE YOU READY TO FINALLY HAVE CLARITY AND CONFIDENCE
WITH YOUR MONEY?
The people who achieve time freedom don't wait for perfect timing or try to figure everything out themselves. They get the right guidance, make the investment in their future, and take action.
WHICH PERSON WILL YOU CHOOSE TO BE?
REMEMBER: This invitation expires in 7 days.
After that, my attention returns to current clients and you'll continue wondering "what if I had just taken action when I had the chance?"
LET'S GET STARTED!
