We don't just focus on investment management or increasing the rate of return on accounts. Instead, we take a holistic approach that addresses: Tax management Investment management Retirement strategies Estate conservation Risk management and insurance Cash flow improvement The average American family saves only 4 cents of every dollar earned and spends the other 96. Most financial advisors focus on providing investment strategies for only those 4 cents. At Surf City Financial Group, we take a different approach. We analyze the entire dollar and specialize in finding areas of your spending that are creating wealth transfers you may not be aware. Wealth transfers can include taxes on compounding returns in a taxable account, term insurance premiums, interest on credit cards, auto loans, leases, declining tax deductions on prepaying mortgage principal, and future tax liabilities on earnings from contributions to qualified plans. Assume you earn $100,000 a year, save 4%, and make a 5% rate of return on your savings – that equals $200 in investment returns. If we can help you find just 2% of your earnings in hidden wealth transfers, you could save $2,000 more a year. That increases your rate of return on your existing savings from 5% to 55%, without taking any additional risks! We believe there is more money to be had by avoiding the losses than in trying to pick the winners.