Menu

Jeff Motske, CFP®
President and CEO

"For 10 years, I have used proven coaching strategies to help clients strive for their most important financial goals through behavior modification and sound planning."

Jeff Motske, CFP®

Jeff Motske is an author, an accomplished executive, radio personality and financial advisor. He is the author of The Couple's Guide to Financial Compatibility and hosts the weekly radio show, Declare Your Financial Independence, where he crusades to bring real planning to real people and help them use the proven steps toward financial independence.   But that's not what's special about him, what's special about Jeff happens on a Tuesday afternoon at his son's baseball practice, or a Thursday night playing slow-pitch softball with his 70 plus year-old dad, or an early morning pouring over ideas with his wife, Kendra. Jeff is one-of-a-kind in the financial services world because he knows and lives what some people really don't understand: financial success isn't a destination, it's a choice and a commitment, one decision at a time.

Jeff started as just another California kid with Midwestern roots. He got a job straight out of college with a small mutual fund company doing retirement planning. But his aspirations grew. As he watched the landscape of financial services, Jeff saw in living color how disconnected most of his industry was from the real-life, everyday issues of Americans. He saw, with great remorse, how distant his profession could become from the people it served and from the goals they espoused. His clients were making the hard decisions to pay down debt, save for the future in small sums, commit to their families and their work, live deeply-rooted lives. He believed that financial planning could be more like what he saw in his client's lives everyday and less like Wall Street. By creating Trilogy Financial in 1999, and bringing together the resources for middle-class Americans to find financial independence, Jeff has focused on revolutionizing his industry and is still doing so today.




 

 

Jeff's Client Relationships

Jeff and his team support a wide variety of clients, but here are some of the groups he has built his practice around.

Congratulations! You’re married! The wedding was beautiful, the honeymoon was breathtaking, and the gifts were thoughtful. It is time to get back to reality which leads to the question that inevitably comes up – what to do with your finances now that you are married? Finances are a challenging topic because for the majority of your single life, it wasn’t a team sport. Here are a couple of suggestions on how to start taking a team approach to the financial part of your marriage.

    1. Talk about your finances. The first and most important thing to start your financial marriage is to talk about it. It may not be the most romantic thing to do, but it is something that you need to do. Hopefully you were already doing this before marriage, but if you have not, start. Not sure how to? Take a financial compatibility quiz. It is a good starting point in finding out where you may or may not agree on topics and open the table for discussion. It is important to understand your spouse’s history and habits with money. This also means listing all your assets – checking, savings, IRA, 401ks etc., and your liabilities – credit card debt, student loans, mortgages etc. Now is the time to look at your cash flow – income vs. expenses.  It is important to know where you stand as a whole in order to take the next step, setting goals. 

 

    1. Set financial goals. Once you have a clear view of your current financial situation, the next step is to set your future goals together. Discuss shorter-term goals, such as paying off debt or saving for a down payment on a home; and longer-term goals, such as retirement or college savings for the future children. Start an emergency fund (three to six months’ worth of expenses) if you have not already done so.
       
    2. Set a budget. Determining your goals is the easy part. Next is how to make sure you will realize them. This is where, as a team, you will determine how much you can realistically set aside to reach those goals. Set a household budgetin order to avoid unnecessary spending that can impact your future. This does not mean no “fun money,” rather include your personal discretionary expenses in your budget so you can keep that spending under control.

 

    1. Decide how to set up your accounts. Now it’s time for the more technical side, determining how to set up current and future accounts. You have basically three options – all joint, all separate, or a combination of both. Many couples find that having joint accounts for everything household related and separate accounts for personal discretionary spending work well, but this is all personal preference. There isn’t a right or wrong way to handle accounts. This is where your previous conversations about your spending habits and history come into play. Just make sure that both of you are on the same page.

 

  1. Set a contingency plan. After going over all your accounts, it is a good idea to update the beneficiaries, the person who will receive the benefits, on them. These include any wills, trusts, life insurance policies, retirement accounts and any other financial accounts that may have come up. It is also a good time to give your spouse power of attorney and name them your health care proxy. It is crucial to decide ahead of time what legal decisions to make in the event of your illness or in a scenario where you cannot make these decisions yourself.


The most important thing to do: talk about your finances! Make a habit of discussing it with each other. Jeff Motkse’s The Couple’s Guide to Financial Compatibility provides additional resources and advice on how to harmonize your relationship financially. It is important to be open and supportive of one another in marriage, which does include your money. With a little teamwork, your marriage should be long and prosperous.

THE LATEST FROM JEFF



1  2  3  4  5  6  7  8  9  10  11  12  13  14  15  16  17  18  19  20  

MEET JEFF'S TEAM MEMBERS
 
 
 
HALLIE DENA
WEALTH ADVISOR
 
 
 

 

 

JEFF MOTSKE RADIO SHOWS

CALL JEFF DIRECT:
(714) 843-9977
  Strategic Partners

ASK JEFF A QUESTION

 

 
Go to top