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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.

 

Money can be a complex thing. No, I’m not necessarily talking about the stock market or the emergence of cryptocurrencies. I’m talking about how every financial decision you make affects all the others. It sounds like a simple enough theory, but when it comes time to putting it into action, it’s often difficult to see through.

I see many clients who come in clearly stating their goals: they want to retire, they want to start their own business or pay for the children’s college education. They want to be financially independent. Yet, when we look at what they’re doing with their finances, we find that their actions may be working against their goals. That daily Starbucks habit has a different cost when you calculate how much you’ve spent in a given month that could have been used towards other expenses. For those who are constantly leasing new vehicles, those payments that never end take on a different perspective when you consider how they could have been applied to a down payment for a house. 

We see it now with millennials struggling under immense student loan debt. While much of their income is funneled towards basic needs and paying down debt, little is left for necessary things like amassing an emergency fund and saving for retirement, let alone other milestones like purchasing a home. Putting off funding these other items can have a serious detrimental effect down the road. Furthermore, while millennials have grown to be the largest generations purchasing homes1, this major decision has prompted additional complications like borrowing from retirement to afford a down payment or underestimating ongoing maintenance cost. In fact, based on a survey by Bank of the West, 68 percent of millennial homeowners now have regrets about buying their home2 because every decision made truly impacted everything else.

Things can get especially tricky when decisions are being made by more than one person. Couples can have household goals, but if they’re not united in working towards them, these goals can often get sidelined. Perhaps they’re trying to save for a house, but one of them isn’t sticking to their plan. Maybe they’ve been diligently saving for retirement when one wants to take a major withdrawal to start their own business. Sometimes it can be as simple as not even bothering to discuss the household’s financial goals. Very often, if you’re not working together, you’re working against one another.

Please understand, I’m all for enjoying your hard-earned money. Sometimes, though, difficult choices have to be made. Perhaps it’s deciding to put off that trip with friends to pay off your credit card, or eating out less to build up your emergency fund. I remember being in that predicament when my family first moved into our home – we lived without furniture in two of the rooms! You see, the key to your personal financial success isn’t typically making more money. It’s really about being aware of your financial behavior and of how your daily financial decisions impact your long-term fiscal future.


1.https://www.housingwire.com/articles/42748-millennials-lead-all-other-generations-in-buying-homes
2.https://www.cnbc.com/2018/07/18/most-millennials-regret-buying-home.html

THE LATEST FROM JEFF



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MEET JEFF'S TEAM MEMBERS
 
 
 
HALLIE DENA
WEALTH ADVISOR
 
 
 

 

 

JEFF MOTSKE RADIO SHOWS

CALL JEFF DIRECT:
(714) 843-9977
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