Your Partners in This Journey
Jeffrey Mohlman, CTS, CDFA®
Certified Tax Specialist, Certified Divorce Financial Analyst Professional, and Retirement Income Planning Consultant
Debt elimination and being debt-free are at the core of most people who live the dream of having a solid retirement income strategy and financial plan. But once you have satisfied the ‘debt part of planning’ is there a heavier burden, taxes?
Jeffrey’s focus since 2001 is to teach hardworking people and business owners how a strategy that diversifies them into lesser-utilized, tax-exempt assets for their future could benefit them if they become tax-aware. Jeffrey and his team believe that chasing higher rates of return without first becoming tax-aware will often result in a retirement that is void of adequate cash-flow to meet the client’s long-term needs.
Jeffrey has developed a comprehensive network of financial planning and estate planning experts who work for their client’s short-term and long-term goals. Today, the approach he incorporates for his clients follows three basic tenets: 1) being debt-free, 2) maximizing after-tax retirement income and 3) protecting their estate from unforeseen risks.
Jeffrey is also a Certified Divorce Financial Analyst® Professional and helps both the client and their lawyer understand how the financial decisions made today will impact the client’s financial future. A divorce lawyer may be well suited to argue in a court of law, but may not have the financial planning background to understand the long term financial impact of a divorce settlement. As a CDFA®, Jeffrey ensures his clients receive an equitable divorce settlement and helps them plan for a secure financial future for any dependents. You can read more about Jeff here, or check out is bio on Divorce Force.
Financial Consultant and Debt Elimination Strategist
Starting in 2011, Kyle has always built his career with a client-centered approach. Beginning his business with a focus on Medicare gives him a unique perspective on the retirement planning process. While many advisors spend most of their time focused on planning for retirement, he was able to see what retirement actually looked like for thousands of people. Kyle always thought that by the time someone retired they would be debt-free and have saved enough to enjoy the golden years. However, that is not the case for many.
Kyle was shocked to see how many households lived in retirement with debt. It wasn’t just having a mortgage either. Most of the households he visited with had a mortgage, credit cards, vehicle loans, medical debt and some of them even had student loans. He also was able to see the negative impact this debt had on their ability to save for retirement. For those few who were able to save for retirement, most, if not all, of their money was in tax-deferred accounts. This meant that every time the money was used, taxes would be due forcing them to take more out of those accounts than was needed. This didn’t look like the American Dream. There had to be a better way. So, he started to look for effective strategies to help the average American get out of debt.
It is for this purpose that Kyle is part of the Safe Money Partners Team. His mission; to help the average individual, couple or business owner get out of debt faster than they had ever thought possible. To educate them on the methods to stay out of debt and stop paying interest to the banks and lenders but instead redirect those interest payments back to themselves. Most importantly to follow through on the promise made to each and every debt elimination client; that once their debt strategy gets them Debt Free For Life he will personally take them onto the next step of building a sound, S.M.A.R.T. financial strategy for a tax-aware future.
Financial Planning, Estate Planning Coordinator
Patrick became a MetLife Financial Planner more than 15 years ago. He has built a practice that focuses on what his client’s ‘keep’ in retirement not what they ‘take’ in income. Patrick has spent the past 10 years becoming well versed in his client’s concerns for retirement income planning. He and his partners have developed strategies that allow future retirees to reallocate their tax deferred monies into accounts which may keep them from getting penalized on their social security income.
Tax Credit Recovery Coordinator
Yogi has owned and operated his own successful small business the past 3 years. He has developed a network of tax specialists and tax aware financial advisors who work with small business owners to help them identify sources of potentially lost revenue sources and recoup that revenue to help them expand their business.
CEO Tax Strategy Pro
Bio coming soon.
CTC Tax Strategy Pro
40+ years as an Accountant, Certified Tax Coach, Tax Practitioner and Estate and Financial Planner (approved to practice in all 50 states).
Director and Business Manager at Legacy Planning Associates, Estate Planning Coordinator
Studied Accounting at the University of Wisconsin-Platteville, 4 years post college in business management, and 15 years an owner/operator of a small business in Beavercreek, OH.
Estate Planning Coordinator and Business Manager at Legacy Planning Associate
35 years of tax accounting/bookkeeping/payroll and business management.
After focusing on business and finance at the University of Cincinnati, Bryan began his career helping retirees manage the risks of their later years. He quickly found the struggles these clients were facing most often stemmed from a lack of financial knowledge, resources, and professional assistance. In an effort to prevent others from reaching retirement without the tools to experience financial health, Bryan shifted his focus to working with professionals and families in their working years who find themselves stuck in debt (credit cards, student loans, etc.) while wishing for current wealth and dreaming of early, financially carefree golden years.
Working with his clients’ pre-retirement, Bryan bases the foundation of his client relationships on building their financial literacy in the areas of tax efficiency, debt elimination, and increasing cash flow. With lifelong learning at the core of his professional code of ethics, Bryan is always networking to grow his knowledge of what the wealthy and financially independent do in order to bring to his clients some of the most comprehensive financial education available. With that educational base, he further empowers clients by sharing trusted tools and resources to create a plan to eliminate the debt, for life, while simultaneously jumpstarting a strategy for building wealth that will be accessible now and through retirement. It’s not about a short-term fix, but a life-long solution that will keep you forever debt-free so that you can plan for the future while also enjoying the present. Bryan’s clients are now able to get control of their spending, debt, savings, and taxation from now and into retirement.
Donald Kiley II
Licensed Insurance Agent, Estate Planning Coordinator
Graduate of The Ohio State University School of Business and Finance.
Tax Credit Analyst
Kevin joined SMP from Miami University in Oxford, OH. His focus at Miami was Business, Entrepreneurship and Digital Marketing. Kevin spent the previous 5 years working in his families successful small business enterprise throughout the greater Cincinnati area.
Owner, Finances Made Simple
Jon has more than 30 years in the financial service & insurance industry. He gained a wide range of experience in a previous position where he ran 5 branch locations for a large financial service conglomerate for 11 years. He is currently a Research & Development Tax Credit specialist primarily advocating for business owners. He’s passionate about helping business owners find the right financial solutions to help their businesses prosper and also keep more of their own personal money.
Jon is a proud father of 6 & has one grandchild.
He currently still likes to play old man hockey with his friends and teammates.
Joseph A. Downing, L.P.A.
Areas of Practice: Estate Planning, Tax Planning, Trusts & Estates, Elder Law, Medicaid Planning and Wills, Guardianships, Probate, Business Law, Business Planning, Commercial and Residential Real Estate.
Licenses and Education: admitted to bar, 1996, Colorado; 1998, Ohio and U.S. District Court, Southern District of Ohio. Education: University of Dayton (B.A., 1992); Ohio Northern University (J.D., 1996).
Memberships and Professional Associations: Tipp City Chamber of Commerce, 1997– 2004; Tipp City Chamber of Commerce Representative Counsel; Tipp City Downtown Business Partnership Representative Counsel; Tipp City School Board 2002-2006; Tipp City Rotary Club; Tippecanoe Educational Endowment, advisor 2004-2008; Miami County Bar Association; Dayton Bar Association; Ohio State Bar Association; Dayton Bar Estate and Trust Committee; Volunteer Lawyers Project; March of Dimes Signature Chef’s Auction Committee, 2010.
Awards: 2001 Tipp City Chamber of Commerce Volunteer of the Year; 2004 Dayton Business Journal Best of Bar, Business Sector; 2005 Dayton Business Journal Top 40 Under 40; 2005 Cincinnati Magazine Superlawyers Rising Star, Business/Corporate Sector; 2006 Cincinnati Magazine Superlawyers Rising Star, Business/Estate Planning; 2007 Cincinnati Magazine SuperLawyers Rising Star, Business/Estate Planning.