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Simplifying complex topics to their most basic form 

Divergent Guides

We are as much educators as we are advisers


at the SCT Library


Cutting through clutter and spin to deliver financial straight talk. 

These short guides will reduce complex topics to their core issues and assist you in making the best financial decisions for your family.


Predictions and the Human Factor Thumbnail

Predictions and the Human Factor

Americans tune in to the news in search of financial advice. That is not what the news or social media provides. They are in the business of making money from advertisements. They are not fiduciaries. They do not discuss the real principles of wealth building, probably because nobody would continually tune in to hear, “This just in: Investing a portion of your income each month continues to be the best way to grow and maintain wealth.” C’mon, that is boring.

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Roth Conversions - Turning Heads at the BBQ Thumbnail

Roth Conversions - Turning Heads at the BBQ

There are many reasons to consider Roth conversions as part of your financial plan. Here are just a few: Do you want to pay less taxes as you get older? Do you want to decide when you pay taxes and how much? Do you want to control when to take money out of your retirement account? How does a tax-free inheritance to your children sound? Do you like knowing that your earnings grow tax free?

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Questions to Ask a Financial Advisor Thumbnail

Questions to Ask a Financial Advisor

Recently I spoke with some individuals about interviewing financial advisors. We talked about what questions to ask and what they should think through before entering a relationship. 😍 That sounds like I am about to give dating advice. Well, maybe not far from it.

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Beneficiaries -  A Fun Topic At The BBQ Thumbnail

Beneficiaries - A Fun Topic At The BBQ

Estate planning can be complex, but it doesn't have to be. There are simple steps you can do today to move the needle in the right direction. Beneficiary designations can be a good place to start.

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6 Accounts to Help Increase Your Wealth Thumbnail

6 Accounts to Help Increase Your Wealth

There are numerous resources available to help you feel confident about your financial situation. Understanding these options is key to making smart choices with your assets. Money management can be exhausting but learning where and how your money can work could make all the difference. Taking the time to consider your options for investing in the future will pay dividends as you consistently pay yourself first.

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