As a long term student of Dave Ramsey, my expense management systems were already in good order, but I was very frustrated with the dismal returns produced over the last ten years using a “buy and hold” investing strategy. Then I began to read the articles on financialmentor.com and realized Todd had something to share that was very different. Initially, I was very reluctant to hire Todd as a coach because he isn’t cheap. But now after only a few coaching calls he has really changed my thinking about wealth planning, investing, expense management and what it means to buy true value vs. saving. Prior to working with Todd the majority of my investment decisions were based on hope and greed (emotional gambling) vs. investment decisions based on knowledge of the historical statistics associated with investment decisions. Moving forward I now have a plan to actively manage investment risk by understanding statistical expectation of positive returns. Todd has truly mastered the ability to distill down his experience to give you the best that he knows. No B.S. just proven principles that work when consistently applied. If you are shopping for someone to help fill the gaps in your wealth plan give Todd a call.