Why Real Wealth Is Built on Real Relationships

This morning, I met with a friend who also happens to be a client of my firm. He’s a military veteran—disciplined, sharp, and deeply involved in his own finances. He’s the kind of person who makes you better simply by being in the room.

What I admire most is his intentional approach to life. A few years ago, he made the decision to eliminate alcohol—not because he had to, but because he knew it would sharpen his focus and elevate his consistency. That one choice set the tone for everything else he does, from his health to his financial success.

It’s a reminder that success often comes from small, deliberate changes that compound over time. Whether it’s a lifestyle shift, a strategic financial move, or simply surrounding yourself with the right people, these choices have the power to transform your future.

Small Changes, Big Results

During our conversation, we went deep into advanced strategies like private equity investing, real estate, and the power of accelerated depreciation to preserve wealth and reduce taxes. We explored the difference between risk and volatility, how to allocate assets effectively, and how just a few strategic decisions can change the trajectory of your financial future.

Here’s what sets him apart: despite being deeply knowledgeable and highly capable, he values the perspective and strategies I bring to the table. He understands that even the smartest, most disciplined people can benefit from collaboration and fresh ideas.

This mindset is what many high-income earners and families miss. A few well-executed strategies can result in hundreds of thousands—or even millions—of dollars in additional wealth. And when implemented properly, they can create tax-free growth and income when you need it most.

What Most Advisors Get Wrong

Recently, I attended a conference filled with advisors from all over the country. What struck me wasn’t just the stories of surface-level client interactions but the sheer number of advisors who described their relationships as purely transactional.

Many of them focus on asking just enough questions to find an opportunity to push high-commission products like annuities, or life insurance. These aren’t recommendations made in the client’s best interest—they’re driven by company structures designed to reward transactional relationships.

It wasn’t just one or two advisors. The majority of the people I spoke with had the same approach. They manage hundreds of accounts, treating them as numbers on a spreadsheet. To them, clients aren’t individuals with unique goals and dreams—they’re revenue streams.

That’s when it hit me just how different my approach is.

I don’t see my clients as accounts. I see them as people—all of whom I now consider friends, and some I even think of as family. That’s because of the candid, transparent conversations we’ve had over the years. These relationships are built on trust, not transactions.

Why Conversations Matter

These aren’t just financial discussions—they’re meaningful conversations about what truly matters. Success isn’t just about accumulating wealth; it’s about designing a life of clarity, purpose, and intention.

My clients know they can call me anytime, not just during a scheduled quarterly review. They know I’ll give them straight answers and ideas that are always in their best interest. And because of that trust, we’ve built something deeper than a financial relationship—we’ve built a partnership.

The Takeaway

If you’re working with an advisor, ask yourself these questions:

• Are they a fiduciary, legally and ethically bound to act in your best interest?
• Do they challenge your thinking and push you toward better decisions?
• Are they helping you design a plan tailored to your unique goals and values?

The right advisor doesn’t just offer financial strategies—they become a trusted partner in crafting the life you want to live.

Surround yourself with people who elevate you. Find those who inspire you to think bigger, act smarter, and live with purpose. Whether it’s a friend, a mentor, or an advisor, the right relationships are transformative.

Life is too short for surface-level connections and uninspired advice. Seek out people who challenge you to grow, and watch how everything in your life—your wealth, your purpose, your impact—rises with them.

Ready to Elevate Your Financial Life? If you’re ready to have deeper, more meaningful conversations about your financial future, let’s connect. I offer a complimentary, no-obligation wealth strategy call where we can explore ideas tailored to your goals and values.

Plan Right. Live Better.

Mateo

Disclaimer: This content is for informational purposes only and should not be considered personalized financial advice. Please consult with a qualified financial advisor, tax professional, or attorney before making any investment or financial decisions.