Financially Led

If you only read one thing, read this:

This is not
debt consolidation (we change 𝗳𝗹𝗼𝘄, not just paperwork)
austerity (efficiency first, then choice)
complexity (we upgrade your cash flow control)
investment advice (this is a cash-flow operating system)
budgeting (that feels like guilt journaling)
You don’t need to grow revenue, add procedures, increase patient load, or change how you practice
This works for associates, owners, and multi-practice dentists

Most dentists see clarity in the first conversation.

I think people are just focused on any excess capital they have going towards investments rather than paying down debt. What you learn is it doesn't have to be one or the other. Doing both is the best play. As I free up the cash flow by getting rid of these fixed payments, I have even more to invest.

Dr. Jon E, Missouri

Once Howard showed me my numbers, the math just made sense to work with him and Cash Flow Coaching. I saved DECADES of time to pay off my new house and hundreds of thousands of dollars in interest.

Brandon, Austin TX

Once I got everything optimized with cash flow coaching, my house payment went from a fixed $2160 per month to my most recent house payment being $125.62! I wish I knew about this sooner.

Tim, Cedar Park, TX

I first had the chance to learn about Cash Flow Coaching from Howard in 2019, and after sitting down with him, and having him walk me through each step, and show me the numbers and math behind the method, I can say that not only was I very impressed by the method itself, but how carefully Howard laid out the process and the math. His client pre-screening tells you all you need to know about working with Howard. He wants to make sure his clients benefit from working with him and refuses to work with someone he doesn’t know he can help. When I buy my first house, you can bet I will be calling Howard.

Thomas, Austin TX

I think people are just focused on any excess capital they have going towards investments rather than paying down debt. What you learn is it doesn't have to be one or the other. Doing both is the best play. As I free up the cash flow by getting rid of these fixed payments, I have even more to invest.

Dr. Jon E, Missouri

Once Howard showed me my numbers, the math just made sense to work with him and Cash Flow Coaching. I saved DECADES of time to pay off my new house and hundreds of thousands of dollars in interest.

Brandon, Austin TX

My $24.19 Mortgage Payment

Skeptical? Of course you are. No doctor with any business savvy would be anything but.

But here it is in black and white, with the date: September 21, 2018.

If you'd like to discuss how cash flow optimization could not only help with your personal mortgage but also with any type of debt that feels like a millstone tied around your neck, I'd love to walk you through the details.

And, of course, not every scenario for every doctor fits. There are no guarantees... except for taxes and...

Results of Fellow Dentists

Once Howard showed me my numbers, the math just made sense to work with him and Cash Flow Coaching. I saved DECADES of time to pay off my new house and hundreds of thousands of dollars in interest.

Once I got everything optimized with cash flow coaching, my house payment went from a fixed $2160 per month to my most recent house payment being $125.62! I wish I knew about this sooner.

Once Howard showed me my numbers, the math just made sense to work with him and Cash Flow Coaching. I saved DECADES of time to pay off my new house and hundreds of thousands of dollars in interest.

"Dentistry gave me a great living—𝙪𝙣𝙩𝙞𝙡 𝙞𝙩 𝙖𝙡𝙢𝙤𝙨𝙩 𝙩𝙤𝙤𝙠 𝙩𝙝𝙚 𝙧𝙚𝙨𝙩 𝙤𝙛 𝙢𝙮 𝙡𝙞𝙛𝙚."

My $24.19 Mortgage Payment

Financially Dead to Financially LED

Still curious about how cash flow optimization works... but not ready to book a Discovery Call? We love transparency, so please download our intro ebook to learn the not-so-secret tactics to free up debt and dramatically improve your personal cash flow.

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