Kyle is the Owner and Founder of Integrity Financial Group, LLC Our goal is to help people be more efficient with those resources that they have available.We believe efficient spending is just as important as efficient saving. We believe that education is the answer, not products. Many financial planning relationships begin and end with a product or investment – a financial “tool” designed to get someone where they want to go. However, many times there is no conversation about the hazards, and how to avoid unnecessary transfer of wealth. It would be very wise to work with someone who can be there as a coach, and not just a product vendor. A family can have the “best” product under the sun, but unless they understand the pitfalls such as avoiding unnecessary taxes, mortgage efficiency, the cost of debt, college planning, efficient spending, etc; that product will do it’s job, but meanwhile they may be transferring away more money than they are gaining, unknowingly and unnecessarily. We arm our clients with the knowledge that they need to truly understand the rules of the financial game, BEFORE discussing investments or products. Our approach is focused on the planning process, and not the products. Hoping to improve your financial well being through product alone would be the equivalent of buying a set of new golf clubs and expecting to instantly have a better game! Has this worked for you in the past? What was the long term result?