Karl has been instrumental in our success during many chapters of our life. For starters, it’s a myth that you need money to work with a financial planner. Karl took us on as clients with all our debts and struggles, helping us consolidate our debt and obtain multiple rental properties. In our next chapter, we were able to plan and save for our daughter’s university education, purchase our dream home, secure pensions in one location (with job changes) and start a small retirement plan. We recently celebrated our daughter’s wedding, which we were able to save for, and have implemented a more aggressive retirement plan suited to our needs. As we have grown as a family, Karl has adjusted and adapted the financial plan to what is relevant during that state of our lives this far. Karl’s up to date knowledge and flexibility allows him to continue to support us through our journey towards better financial stability.