If you’ve ever thought estate planning was just “getting a will in place,” you’re not alone. But here’s the truth: a will and a living trust are not the same thing, and the difference could mean months of delays, thousands in costs, and a lot of headaches for your family.

Everyone Is Talking About Roth IRAs, But Is There a Better Way? At Compass Financial, we often refer to Cash Value Life Insurance (CVLI) as a "Roth IRA on steroids" because it offers the same core benefits - but with more flexibility, protection, and long-term potential.

A client testimonial - They just sold their business and had $3.5 million in traditional retirement accounts. When we ran their numbers through our Tax Burden Analysis, it was clear: if they did nothing, 40% of their hard-earned wealth would go to the IRS. Not because of a mistake, but because no one had shown them how to do it differently. We put their assets through our Power of Three model, and saved them seven figures in future taxes.

We just returned from the Stawicki Family Reunion — something we’ve done every summer for as long as we can remember. At Compass Financial, we talk a lot about purpose-driven retirement planning. That’s because we believe wealth should work for you, not just sit on a spreadsheet. The goal isn’t just to retire. It’s to have the freedom, clarity, and confidence to say “yes” to what matters most. Are your current financial strategies designed around your purpose?