We aim to rescue people from making bad financial decisions. Through education and coaching, we eliminate confusion, fear, and worry by bringing clarity to financial concepts and solutions. While other approaches can create unnecessary complexity, we give our clients understanding not just about their financial situation, but about the beliefs and emotions that can sabotage their success.

We can also help you make the proper investment decisions in your employer’s plan. So, if you are working and contributing to a 401k or 403b, we are here to help you!

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Our investment and money-management philosophy may be boiled down to an A-B-C or Red, Yellow, and Green approach. We allocate our money into three separate buckets just like a traffic light: Red, Yellow, or Green:

Click the Image for AGG’s Risky-Asset Page

Red Money

Red Money is our at-risk money invested in “Risky Assets,” otherwise known as in the equities or fixed income markets or in alternative investments designed with the potential to provide a steady yield, growth rate, or income stream. Red Money helps us stave off the ravaging effects of inflation and provides the potential for legacy or an extra boost in liquid assets available to handle life’s surprises like unexpected healthcare events.

We have higher liquidity in Red Money and potential for greater returns. But high liquidity and potential for greater returns comes at a trade-off of High Risk of Loss of Principal.

Red Money is invested on a mid-term to long-term time horizon. As the color implies, we approach our Red Money allocation with a full stop, analysis, and constant monitoring and management.

Yellow Money

“Yellow Money” is our operating money. We have high liquidity because we need this money “On-Demand” to pay for living expenses. Thus, these accounts are typically invested very conservatively with low return rates, thus low-risk of loss, and are matched with checking accounts or electronic funds transfer ability to fund those expenses on a daily, as-needed, basis.

“Yellow Money” needs to look like a straight-line but if we can get some growth, we’ll take it–we just can’t afford any loss of principal. As the color implies, we approach Yellow Money spend rates with caution and proceed with deliberation.

Yellow Money is allocated to short-term investments on the timeline.

Click the Image to See AGG’s Safe $$$ Page

Green Money

“Green Money” is our Safe Money. Green Money grows with the potential for more moderate rates of return, but with no risk of loss of principal. Green Money provides us with guaranteed lifetime income streams by utilizing “Mortality Credits.” Depending on the vehicle chosen, lifetime income streams can even have the potential to grow once triggered to pay status.

Green Money insures we have our baseline expenses covered come what may. That’s why I refer to it as “Go-Go Money!”

Green Money allocations may be anywhere along the time horizon as fits the situation. Green Money allocations allow us to optimize our Risky-Asset allocations and take more risk than we might normally, if we so desire. If we can get the Green Money allocation set properly, it allows us greater flexibility with both of the other two buckets.

The bottom line is that, when we get these buckets right, we can use our “Go-Go Money” to enjoy everything we’ve worked for in the “Go-Go Years” of our retirement.


Investment advisory services offered through Asset Guidance Group, LLC, RIA (“AGG”) or AlphaStar Capital Management LLC, a SEC Registered Investment Adviser (“AlphaStar”) and AGG. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.

AlphaStar and AGG are independent entities.

Insurance products are offered through AGG, by insurance licensed individuals. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by AGG. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered or guaranteed by AlphaStar, AGG, or Wallace R Nichols.

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