Certified Financial Planner™, Accredited Investment Fiduciary® and Chartered Special Needs Consultant® with 25+ years experience helping clients turn debt & taxes into savings & investment™. Creator of LifeCycle Financial Management™ - a holistic approach to personal finance that is far less reliant on stock market performance than traditional models in producing successful planning outcomes. Owner of MortgageNudge®, an easy to use FREE online tool giving you a simple, painless, tax-friendly way to pay off your mortgage, retire debt-free, and sleep like a baby.