At EWM we are advisors and educators to our clients and the community at large. We made a conscious decision in 2015 to invest time and resources to this endeavor. This is the perfect complement to our first mission of increasing individual wealth. We are committed to educating our clients and the community about credit and debt management as well as the fundamentals of wealth building. We’ve discovered there is a tremendous need for this information. This education can truly change lives and be the foundation for a better quality of life.

Personal Finance

  • Credit Education
  • The fundamentals of Credit Cards and how to use them effectively
  • Understanding your Credit Score
  • Your Credit Report and the 3 major Credit Bureaus
  • What you should know before applying for Auto Financing
  • What you should know before applying for a Mortgage
  • What you should know before buying a car
  • Debt Management
  • The basics of Money Management
  • Your Debt to Income Ratio
  • Your Personal Balance Sheet
  • Good Debt vs. Bad Debt
  • The Cost of Debt
  • Prioritizing your Debts
  • Creating your Budget

Wealth Education

The Financial Life Cycle is a model for visualizing the progressive stages we all go through in life on our personal financial journey. EWM advisors use this model to help people clearly identify where they are in their financial life. When people understand where they are on this journey they are inspired to take action.

The Stages of the Financial Life Cycle

  • Accumulation
  • Consolidation
  • Preservation
  • Distribution
  • Transfer

Investment Basics

  • Account Types
  • Retirement Accounts
  • IRAs Traditional vs. Roth
  • Retirement accounts for Business Owners
  • Brokerage Firms vs. Banks

Insurance Education

  • Types of Life Insurance
  • Insurance Strategies


Key Documents

  • Wills
  • Revocable Living Trust

College Savings Plan

The benefits of the 529 Plan