Financial Planning vs. Financial Harmony

Tier One Life Insurance, we believe in a different approach to financial planning using time-tested principles and strategies that predate the rise of 401k’s and the financial planning industry. The chart below gives an overview of the difference between financial planning and financial harmony.


  • Meets needs & goals
  • Minimizes requirements
  • Product oriented
  • Focused on rate of return
  • Institutions control your money
  • Micro (vacuum) based
  • Net worth is measurement
  • Retirement oriented
  • Lives only on interest
  • Money stays still
  • Dollars do only one job
  • Professional planner is the expert

Financial Harmony

  • Pursues wants & dreams
  • Optimizes opportunities
  • Strategy oriented
  • Focused on recovering opportunity cost
  • You control your money
  • Macro (big picture) based
  • Cash flow is measurement
  • Abundant/Freedom oriented
  • Spends and replaces principle
  • Money moves
  • Dollars do many jobs
  • Clients are empowered

Asset Tiers


At Tier One Life Insurance, we believe the way to building real wealth is to first focus on growing and protecting our Tier One Assets, which include: our unique talents, the ability to create value and earn an income, and the money desired to support our dreams and all of life’s opportunities. Tier One Assets form the foundation of financial strength necessary to build and sustain real wealth. They should be protected against loss and placed in an environment of uninterrupted growth and stability. They should be there when you need them most…Guaranteed.