Everyone has some amount of wealth, and everyone has a common goal to grow their wealth. The question is, how do you grow wealth? It usually comes down to two strategies; making better investments to earn higher returns, and reducing your lifestyle so you can save and invest more. But most people overlook the wealth transfers that occur unknowingly and unnecessarily. Wealth transfers can occur in many areas, such as taxes, the type of mortgage you have, how you fund and pay for college expenses, paying for major purchases, contributing to retirement plans, buying insurance, and many others.   We believe you can increase wealth more by reducing wealth leakage, than you can simply by getting higher rates or earning more money. If the bucket you are trying to fill has holes in it, you should plug the holes before simply adding more water.  Let us help you to identify and reduce your wealth transfers.